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Self-Employed · No Tax Returns · All 50 States
Bank Statement Loans
for the Self-Employed.

Your tax returns show low income because you're smart about write-offs. Bank statement programs let you qualify using actual cash deposits — not what the IRS sees. 25+ lender options. Same-day pre-qualification available.

Get Pre-Qualified Today → 📞 (941) 529-1040
No tax returns Same-day pre-qual 25+ lenders No hard credit pull
Chris Galli
"If your deposits are consistent, there's almost always a path forward."
Chris Galli · Branch Manager · NMLS# 13152
25+
Lender Options
29+
Years Experience
4.9★
Client Rating
Who This Is For

Your Write-Offs Are an Asset,
Not a Disqualifier.

Traditional lenders look at your tax return net income and say no. We look at what actually hits your bank account. If your deposits are consistent and strong, we can often build a qualifying case around that — even if your adjusted gross income on paper looks too low.

This program was built specifically for people who run their finances the smart way.

Check My Eligibility →
💼
Self-Employed Business Owners
S-Corp, LLC, or sole proprietor — if your business deposits are strong, we can work with that regardless of what the Schedule C shows.
📋
1099 Contractors & Consultants
Freelancers, independent contractors, and consultants with variable monthly income who can demonstrate consistent deposits over 12–24 months.
🏗️
Real Estate Professionals
Realtors, brokers, and investors whose commission income is lumpy month-to-month but strong on an annual basis.
📈
High Write-Off Earners
Anyone who legally maximizes deductions and ends up with low taxable income — but has healthy actual cash flow in their statements.
The Process

How Bank Statement
Loans Actually Work

Instead of W-2 income or your tax return's net income, we qualify you using verified deposits averaged over 12 or 24 months.

01
Provide Bank Statements
12 or 24 months of personal or business bank statements. Personal statements use full deposits. Business statements apply an expense factor.
02
We Calculate Your Income
We average your monthly deposits over the period. For business accounts, we apply an expense factor (typically 50–85%) to arrive at qualifying income — no Schedule C needed.
03
Match You to Best Program
We compare across 25+ lenders to find the lowest rate and best terms for your deposit profile, credit score, and property type.
Statement Options
12 or 24 months of personal statements
12 or 24 months of business statements
Combination personal + business available
Multiple account aggregation accepted
Property Types
Primary residence
Second home / vacation property
Investment / rental property
Single family, condo, multi-family (2-4 units)
Loan Features
Purchase or cash-out refinance
Loan amounts up to $5 million
Fixed and adjustable rate options
Pairs well with jumbo financing
Key Requirements
Credit score varies (often 620+)
Down payment typically 10–20%
Cash reserves required (varies)
2+ years self-employed preferred
Documentation

What We Need to Get
You Pre-Qualified

Most borrowers can get a same-day pre-qualification. Here's what we typically review — it's a short list on purpose.

25+
Lender options reviewed on your behalf. Every lender has slightly different bank statement guidelines — we match you to the best fit instead of making you shop around.
1
12–24 Months of Bank Statements
Personal, business, or both. Consistent deposits = stronger file. We'll tell you exactly which accounts and how far back.
2
Government-Issued ID
Driver's license or passport. Standard for all mortgage applications.
3
Proof of Self-Employment
Business license, CPA letter, or business registration showing 2+ years in operation.
4
Soft Credit Authorization
Zero impact to your credit score. We start with a soft pull — a hard pull only happens when you're ready to formally apply.
Real Client Results

Self-Employed Borrowers
We've Actually Closed

These aren't hypotheticals — here's how bank statement loans worked for real clients who came to us after being turned down.

🍽️
Business Owner · Sarasota
Restaurant Owner With 3 Years of Write-Offs
✕
The Problem

Tax returns showed $42K net income after deductions. Conventional lender said he didn't qualify for the home he wanted.

✓
The Result

24 months of business statements showed $28K/month average deposits. Approved for $485,000. Closed in 26 days.

💻
1099 Contractor · Remote
Tech Consultant Denied Twice by Banks
✕
The Problem

Variable monthly income. Two banks said no. One told her to "get a W-2 job first." Credit was 718.

✓
The Result

12 months of personal statements averaged $14,200/month. Qualified for primary home purchase. Closed without tax returns.

🏠
Real Estate Agent · Florida
Commission Agent With Lumpy Income
✕
The Problem

Some months $0, some months $40K. Underwriters couldn't average it. File declined at two lenders.

✓
The Result

24-month average showed strong annual income. Paired with jumbo bank statement program. Closed on $780,000 vacation home.

Questions

Bank Statement
Loan FAQs

Everything self-employed borrowers ask before they apply. No vague answers here.

Get Pre-Qualified →
No. Bank statement programs are specifically designed to bypass the tax return requirement. We qualify you based on 12 or 24 months of bank deposits — your write-offs won't count against you.
If you can provide basic details and 12 months of statements, we can typically pre-qualify you the same day. We respond within 2 hours on all submissions.
Rates can be slightly higher than conventional loans due to the non-traditional income documentation. However, we compare 25+ lenders to find the most competitive terms available for your profile. We'll always show you the full picture before you decide.
Most programs require 12 or 24 months. 24-month programs often allow higher loan amounts or better terms since there's more data to work with. We'll tell you which is best for your deposit history.
Yes, and it's common. Lenders apply an expense factor — typically 50–85% — to estimate usable income from business deposits. Some programs let you use both personal and business statements combined.
Requirements vary by lender. Many programs start at 620, with better terms at 680+. We work across the spectrum and match you to the best program for your score.
Yes. Bank statement loans work for primary homes, second homes, and investment properties. For investment properties, DSCR loans are often an even better fit — we'll compare both and show you the numbers.
Almost certainly. Traditional banks don't offer bank statement programs — they only use tax return income. Our lender network is built specifically for non-QM and alternative income borrowers. A denial from your bank is not a denial from us.
Other Options

Other Programs That May Fit Your Situation

Not sure if bank statement is your best option? Here are two others worth exploring.

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DSCR Loans
For real estate investors — qualify based on the property's rental income, not your personal income or tax returns. No employment or income verification needed.
Learn about DSCR Loans →
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FHA & Conventional
If part of your income is W-2 or your situation is more straightforward, conventional or FHA may offer better rates. We always compare all options.
View All Loan Programs →
💎
Jumbo up to $5M
Bank statement programs pair exceptionally well with jumbo financing. Self-employed buyers with strong deposits regularly close on high-value properties.
Explore Jumbo Options →
Same-Day Pre-Qual · 25+ Lenders · No Tax Returns

Your Write-Offs Don't
Define Your Buying Power.

If your bank account tells a different story than your tax return, we want to hear that story. Tell us your situation — we'll have a path forward within 2 hours.

Get Pre-Qualified Today → 📞 Call (941) 529-1040
No tax returns No hard credit pull Response within 2 hours No obligation
The Galli Team
📞 (941) 529-1040 · 📍 Sarasota / Bradenton, FL

Novus Home Mortgage, a division of Ixonia Bank. NMLS #423065. Equal Housing Lender. Chris Galli NMLS# 13152. This is not an offer to enter into an agreement or a commitment to lend. All loans subject to credit approval. Not all products available in all states. Privacy | Terms

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