Business owners, freelancers and 1099 earners
Bank statement loans
Designed for self-employed borrowers — eligible programs evaluate bank deposits instead of tax returns.
What it usually takes
Evidence of self-employment, a solid credit profile and a down payment that fits the program.
Potential benefits
Alternative income analysis based on eligible cash flow. Tax returns may not be required for income qualification under eligible programs; documentation varies by lender and file.
Not always necessary
Self-employed does not automatically mean a bank statement loan. We also compare traditional income analysis, asset-based options and DSCR for investment property.
Eligibility, limits and terms depend on the program guidelines in effect when you apply and on your full application. This page is general information, not a loan offer.
See if I qualifyOther programs
Conventional loans
Flexible, widely used financing for primary homes, second homes and investment properties.
FHA loans
Lower down payments and flexible credit requirements — one of the most accessible paths to owning.
VA loans
$0 down and no monthly mortgage insurance for eligible veterans, service members and their families.