The Entrepreneur’s Path to Homeownership
Your Bank Statements Are Your Resume.
Stop letting tax write-offs stand between you and your new home. Qualify for a mortgage based on your actual cash flow—no tax returns required.
The Problem vs. Our Solution
Traditional banks love W-2s, but they don't understand the life of a business owner. If your "taxable income" doesn't reflect your "bank account reality," you’ve come to the right place.
|
Feature |
Traditional Bank |
Our Bank Statement Loan |
|
Documentation |
2 Years of Tax Returns |
12 or 24 Months of Bank Statements |
|
Income Calculation |
After-tax net profit |
Gross deposits (with standard expense factor) |
|
W-2 Required? |
Yes |
No |
|
Approval Speed |
Weeks of "Conditioning" |
Fast, Common-Sense Underwriting |
Find out how we can help you reach your mortgage goals by completing the form .
Schedule your Free Consultation
How It Works (The 3-Step Process)
- Submit Statements: Provide 12 or 24 months of personal or business bank statements.
- Analyze Cash Flow: We calculate your qualifying income based on your average monthly deposits.
- Get Funded: Move forward with a competitive rate and a loan amount that reflects your true buying power.
Is This Loan Right For You?
This program is specifically designed for:
- Self-Employed Professionals: Consultants, 1099 contractors, and business owners.
- High Write-Off Borrowers: Those whose tax deductions lower their net income significantly.
- Gig Economy Leaders: Tech freelancers, creators, and entrepreneurs.
- Property Flippers: Using business revenue to expand a real estate portfolio.
GET MY INCOME ANALYSIS
No credit pull required for an initial scenario review.
FAQ
-
Do I need a massive down payment?
Not necessarily. While Non-QM loans vary, we offer options with as little as 10–20% down depending on credit score. -
Can I use personal or business statements?
We accept both! If using business statements, we apply a standard expense ratio to determine your qualifying income.