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Self-employed and ready to buy or refinance?
We'll walk through what your bank statements could qualify you for.
Apply NowBank statement loans qualify self-employed borrowers using 12–24 months of bank deposits instead of tax returns — for a purchase or a refinance — a better fit when write-offs make your taxable income look smaller than your actual cash flow.
Think a bank statement loan fits your income?If your tax returns show deductions that reduce your qualifying income, bank statement loans look at deposits instead.
Bank statement programs can average income over a period of time rather than relying on a single year's tax return.
Common for contractors, gig workers, and small business owners with significant legitimate write-offs.
Bank statement refinances work the same way as bank statement purchases, using deposits instead of tax returns to qualify for a rate-and-term or cash-out refinance.
Instead of tax returns, the lender reviews 12–24 months of personal or business bank statements to calculate your average monthly income and determine what you qualify for.
No, but consistent deposits and a clear separation of business and personal expenses generally help. Large, unexplained deposits may need documentation.
Rates and terms depend on your individual profile — credit, reserves, and deposit consistency — rather than a blanket rule. As a non-QM program, terms are set loan by loan, so we compare current options across lenders to find the best fit for your situation.
Yes — bank statement programs can be used to refinance an existing mortgage, whether you're lowering your rate or pulling cash out, using the same deposit-based income calculation as a purchase.
We'll walk through what your bank statements could qualify you for.
Apply Now