Bank Statement Loans, Use Deposits, Not Tax Returns
You earn well. Your tax returns don't show it. Bank statement loans qualify you on actual deposits, not adjusted gross income.
"Smart tax strategies shouldn't limit your options."
You write off everything you can, as you should. But when a lender looks at your tax returns, they see a fraction of what you actually earn. That's not a reflection of your ability to repay, it's a reflection of smart tax planning. Bank statement loans bridge the gap between what you earn and what your returns show.
How It Works
12 or 24 months of bank statements replace tax returns
We calculate qualifying income from your actual deposits
Available for purchase, refinance, and cash-out
Income Calculator
Lenders subtract an expense factor from gross deposits to get qualifying income. Most programs default to 50% on personal statements; lower factors typically require business statements with a CPA or expense-ratio letter.
Cards, autos, student loans. Included so the ratio below reflects how a lender actually qualifies you.
May need adjustments
Payment assumes a 30 year fixed at 7.063% for illustration, plus estimated property taxes and insurance. That assumption exists to size the estimate and is not a quote. Your actual rate depends on credit, LTV, documentation, and program, and we shop multiple lenders per file.
Rated 5 Stars on Experience.com
This is an estimate, not a commitment. Actual terms require a full review.
Who This Is For
Business Owners
You run a profitable business but write off heavily. Your tax returns show a fraction of your real income.
Freelancers & Consultants
Multiple clients, variable income, complex tax situations. Bank statements tell the real story.
Commission-Based Earners
Your income spikes and dips. Traditional averaging hurts you. Bank statements capture the full picture.
Gig Economy Professionals
Multiple income streams that don't fit in a W-2 box. Bank statements capture all of it.
Frequently Asked Questions
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