SELF-EMPLOYED · BUY A HOME
Your income
doesn’t fit a box.
Neither do you.
Self-employed? Use eligible bank deposits to document income, without W-2s or tax returns. Explore a home loan built around how your business earns.
Apply Now
- Rates from 5.99%Subject to credit and down payment
- No W-2s or tax returnsUse eligible bank statements
- 680 minimum creditSubject to full approval
HOW THE NUMBERS FIT
From deposits to
a fuller picture.
Bank statements are a starting point. What matters is what the deposits actually represent.
- 01
Review deposits
Establish the eligible statement period and business ownership.
- 02
Make adjustments
Exclude transfers and other ineligible deposits; account for expenses.
- 03
Assess income
Qualifying income is calculated and the full application reviewed.
KNOW WHERE YOU STAND
Loan details.
AT A GLANCE
Bank Statement Purchase
- Rate
- From 5.99%, subject to credit and down payment
- Documentation
- Commonly 12 or 24 months of statements
- Income calculation
- Lender reviews eligible deposits and expenses
- Down payment
- Depends on credit, property, and program
- Minimum credit
- 680, subject to the full loan review
WHAT GETS REVIEWED
Your starting checklist.
- Eligible self-employment and business history
- A complete set of consistent bank statements
- Minimum credit score of 680 and required assets or reserves
- Acceptable credit, debts, and property appraisal
Worth considering
This is not a no-documentation loan. Pricing, down payments, fees, reserves, and documentation can differ materially from conventional or government-backed loans.
THE IDEA, SIMPLY PUT
A business
story
beyond
your tax return.
Bank-statement loans use eligible personal or business deposits to calculate qualifying income. We review your statement history, business expenses and ownership alongside your credit and property.
-
Show how you earn
Use an income-documentation path designed for eligible people who run their own business.
-
A longer income view
Many lenders review 12 or 24 months of statements to see how consistently you earn.
-
Allow for expenses
Business deposits are adjusted for expenses, ownership share, transfers, and other ineligible amounts.
How it works.
You set the goal. Explore your options and understand what you’ll need next.
- 01
Tell your story
Start with your goal, your property and how you earn.
- 02
Explore your options
Compare the loan features that fit your situation.
- 03
Review the details
Confirm eligibility, documents, rates and total costs.
- 04
Choose your next step
Proceed when the offer and numbers work for you.
A little more clarity
Common questions.
Clear answers to help you choose your next step.
Are all my deposits counted as income?
No. Transfers, one-off deposits, loan proceeds, and unsupported deposits may be excluded. Business expenses and ownership percentage can reduce qualifying income.
Do I need 12 or 24 months of statements?
Programs commonly use 12 or 24 months of statements. The right period depends on the program, how long you’ve been in business and how steady your deposits are.Draft, pending review
Can I use personal or business statements?
Either may be accepted, depending on the program. Business statements usually have an expense factor applied to deposits, while personal statements need to show business income coming into the account.Draft, pending review
Is this a no-doc mortgage?
No. You won’t use W-2s or tax returns, but your income is still documented through bank statements, and your credit, assets and the property are reviewed.Draft, pending review
Give the way you earn a fair look.
Understand the documentation before choosing a home-loan path.
Apply Now