"Provide 12 months of PERSONAL OR BUSINESS bank statements to qualify for our loan products, with some requiring even less. Applicants who can submit 24 months of statements may enjoy better rates and terms.

Our most popular loan program for self-employed borrowers, the 12-month bank statement mortgage, is designed to help you qualify using your real income—not just what’s reported on your tax returns.

Instead of traditional income documentation, you can simply provide 12 months of personal or business bank statements to qualify. In some cases, even less documentation may be required.

For borrowers who are able to provide 24 months of bank statements, you may benefit from lower interest rates and more favorable loan terms.

• No tax returns required in many cases
• Use personal or business bank statements to verify income
• Qualify based on true cash flow—not write-offs
• Flexible underwriting tailored for business owners and 1099 earners
• Fast and efficient approval process

"As a self-employed business owner, I struggled to qualify for a traditional mortgage because of my tax write-offs. The bank statement loan program made all the difference. I was able to use my real income, got approved quickly, and closed on my home without the usual hassle. Highly recommend this program to anyone self-employed!"

— James R., Small Business Owner

If you’re self-employed and need a smarter way to qualify, the 12-month bank statement loan could be the perfect solution.

👉 Contact us today to explore your options and get pre-qualified.

Are you self-employed or have non-traditional income? Our 12-month bank statement loan program allows you to qualify using your personal or business bank statements instead of tax returns.

With this alternative income mortgage, you can:

• Provide just 12 months of bank statements (personal or business)
• Qualify based on your actual cash flow—not your reported income
• Avoid traditional income documentation like W-2s and tax returns

For borrowers who can provide 24 months of bank statements, even better rates and loan terms may be available.

• Self-employed borrowers
• Business owners with write-offs
• 1099 independent contractors
• Freelancers and commission-based professionals

• No traditional income verification required
• Flexible underwriting guidelines
• Competitive loan options based on cash flow
• Faster approvals compared to conventional loans

📞 Contact us today to learn how you can qualify using bank statements and move one step closer to homeownership.

Getting approved for a bank statement loan or alternative income mortgage is simple when you know the steps. Here’s how to begin and keep your loan moving smoothly:

Start by submitting your mortgage application. In many cases, your application can be reviewed the same day, helping you move quickly toward pre-approval.

Be prepared to provide 12–24 months of personal or business bank statements, along with any investment account statements if applicable.
Lenders will use these documents to calculate your average monthly income and determine your loan eligibility.

We will review your credit profile to assess your qualification.
A stronger credit score can improve your chances of approval and may help you secure better rates and loan terms.

Most bank statement loan programs require a down payment starting at 10% or more, depending on your financial profile and loan type.

You’ll need to show proof of funds for your down payment, reserves, and any additional assets. This helps demonstrate financial stability and strengthens your application.

Responding quickly to document requests and updates will help ensure a fast, smooth, and stress-free approval process.

By following these steps, you can streamline your path to approval and take advantage of flexible mortgage solutions designed for self-employed borrowers and non-traditional income.

👉 Contact us today to get started and move one step closer to homeownership.

Are you self-employed or a 1099 contractor but show minimal income on your tax returns?
You’re not alone—and the good news is, you may still qualify for a home loan.

Many business owners reduce taxable income through write-offs, which can make traditional mortgage approval challenging. That’s where Alternative Income Verification Loans come in.

Our 1099 mortgage programs allow you to qualify using your actual earnings—not just what’s reported on your tax returns.

• Use 1 or 2 years of 1099 income
• Option to average income over two years
• No tax returns required in many cases
• Designed specifically for independent contractors & self-employed borrowers

We also offer a No Income Verification Loan for qualified borrowers with strong credit and assets.

• No income documentation required
• Credit score–based qualification
• 20%+ down payment is typically required
• Fast closings available-15 days 

This program is ideal for borrowers who:

• Have strong credit
• Prefer privacy with finances
• Have non-traditional or complex income streams

• Qualify without traditional W-2s or tax returns
• Flexible underwriting for self-employed borrowers
• Faster approvals compared to conventional loans
• Perfect for entrepreneurs, freelancers, and commission-based professionals

An asset-based mortgage loan (also known as an asset depletion loan) is a powerful financing option for borrowers who may not show traditional income but have significant assets.

This option may be ideal if you are:

• Self-employed with lower reported income
  You may write off expenses for tax purposes, reducing your qualifying income—but your assets still reflect your true financial strength.
   
• Retired or nearing retirement
  If you're no longer receiving a steady paycheck but have substantial savings, investments, or retirement funds, you can still qualify.
   
• Earning minimal or no income
  Even without traditional employment income, your liquid assets can be used to demonstrate your ability to repay a loan.
   
• Unemployed or without verifiable employment
  Asset-based lending focuses on what you have, not just what you earn.
   

With an asset depletion mortgage, lenders convert your eligible assets, such as:

• 401(k) or retirement accounts
• Savings and checking accounts
• Investment portfolios

…into a calculated income stream used to qualify you for a home loan.

• No need for traditional income verification
• Flexible qualification for non-traditional borrowers
• Ideal for high-net-worth individuals or retirees
• Helps turn your savings into homeownership opportunities

If you have strong assets but limited income, an asset-based home loan could be the perfect solution.

Unlock the opportunity to own a home with Non-QM (Non-Qualified Mortgage) loan programs, including bank statement loans, alternative income verification, and asset-based lending. These programs are designed for borrowers who don’t fit the traditional lending box—but still have strong financial profiles.

Non-QM loans are ideal for borrowers who may have difficulty qualifying for conventional financing:

• Self-employed borrowers using bank statements instead of tax returns
• Business owners with significant write-offs
• Real estate investors with multiple properties
• Retirees or high-net-worth individuals using assets instead of income
• Borrowers with recent credit events or unique financial scenarios
• 
  

These programs provide flexibility and opportunity, helping you qualify based on your true financial picture—not just traditional income documentation.

No W-2s? No problem. Use 12–24 months of bank statements or other documentation instead of traditional income verification.

Qualify using:

• Bank statements
• Asset depletion (401k, savings, investments)
• Rental income
• Profit & loss statements
• 
  

Non-QM loans make it possible to:

• Buy a home while self-employed
• Secure financing even with complex income
• Leverage your assets to qualify

While Non-QM loans offer flexibility, it’s important to understand the trade-offs:

Because these loans fall outside conventional guidelines, interest rates are typically slightly higher than traditional mortgages.

• Bank statements and alternative income programs often require 10% or more down
• Asset depletion loans typically require 20%+ down

Some programs require minimum credit scores of 680 or higher, depending on the loan type.

An asset depletion mortgage allows you to qualify using your liquid assets instead of income.

• Competitive interest rates (often near standard GSE levels)
• No employment or income required
• Ideal for retirees or high-asset borrowers

• Requires 20% or more down payment
• Must meet credit score requirements (typically 680+)

If you’ve been turned down for a traditional mortgage or your income doesn’t tell the full story, a Non-QM loan could be the solution.

Our team specializes in non-traditional lending solutions and will guide you every step of the way to ensure a smooth, stress-free process.

Ready to explore your options?

Contact us today to learn how a Non-QM loan can help you achieve homeownership—with flexible solutions tailored to your financial situation.