Bank statement loans help entrepreneurs and independent workers qualify using their real deposits instead of tax returns, with a clear, guided process.
A practical guide for self-employed borrowers.
Bank statement loans are a type of non-QM mortgage designed for self-employed borrowers. Instead of relying on tax returns, which often show a lower income after business deductions, the lender reviews 12 or 24 months of personal or business bank statements to calculate qualifying income.
Business owners, freelancers, independent contractors, gig workers and commission-based professionals whose tax returns don’t reflect what they actually earn.
Recent personal or business bank statements, proof that the business has been active (such as a business license or CPA letter), identification and information about the property. Exact requirements depend on the program.
Bank statement loans can be used to buy a primary home, a second home or an investment property, and to refinance or take cash out, subject to program guidelines.
Common questions from self-employed borrowers.
Most programs review 12 or 24 months of personal or business statements.
No, they are designed so qualifying income comes from your deposits rather than your tax returns.
Yes, many programs accept business statements, sometimes with an expense factor or a CPA letter.
At Adream Lending, we specialize in owner-occupied financing throughout Florida, including first- and second-mortgage options with flexible non-QM terms. Nationwide, we offer tailored non-QM investment loans, purchase financing, cash-out refinancing, and more, helping you access the funds you need, when you need them most.
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