Self-Employed Home Loans
If you're self-employed, your tax returns don't always tell the full story of your income. Bank statement loans and other alternative-documentation options can help you qualify based on your real cash flow.
Benefits
Built for the self-employed
Qualify with bank statements
Bank statement loans let many self-employed borrowers document income using deposits rather than tax returns.
Made for business owners
Designed for freelancers, contractors, and entrepreneurs whose tax returns may understate their true earnings.
Flexible documentation
Alternative-doc programs look at the income that actually supports your lifestyle, not just your bottom line after write-offs.
Personal guidance
We review your situation and recommend the documentation approach that presents your income in the best light.
Good fit?
Is a bank statement loan right for you?
Not sure if this is the right program? Get a free quote and a loan officer will help you compare your options.
Start my free quote- You're a business owner, freelancer, or independent contractor
- Your tax returns show lower income after deductions and write-offs
- You've been turned down by a traditional lender despite strong cash flow
- You want a loan that reflects how you actually earn
The process
How it works
Get pre-qualified
Answer a few questions online to see your estimated buying power — it only takes a few minutes.
Talk through your options
Your loan officer compares programs and helps you choose the right fit for your goals and budget.
Shop with confidence
Make offers backed by a pre-qualification letter that sellers take seriously.
Close on your home
We coordinate the details and keep you informed all the way to the closing table.
Questions
Frequently asked questions
What is a bank statement loan?
A bank statement loan is an alternative-documentation mortgage that lets self-employed borrowers qualify using business or personal bank deposits instead of tax returns.
How many bank statements do I need to provide?
Lenders typically review a defined period of your most recent statements. We'll tell you exactly what's needed before you start, so there are no surprises.
Can I still use my tax returns if they help?
Yes. If a traditional documentation approach presents your income better, we'll use it. The goal is to choose the path that qualifies you for the strongest terms.
Are the terms different from a conventional loan?
Alternative-doc loans can carry different terms than conventional financing. We'll walk you through the trade-offs so you can decide with full information.
Who qualifies for a self-employed loan?
These programs are built for business owners, contractors, gig workers, and others with non-traditional income. The best way to know if you qualify is to get a quick quote and talk it through.
Ready to get started?
Get your personalized quote in a few minutes — no obligation, no impact to your credit to start. A loan officer will help you take it from there.