Bank Statement Loans
for Self-Employed Borrowers
Fast, Flexible Mortgages for Self-Employed Professionals
Quick pre-approval in minutes
Loans up to $2M
Minimal documentation—no W-2s or full tax returns required
Call (804) 362-7600 to speak with an investor loan specialist
Get a Quote
Fast Bank Statement Loans That Work for You
Bank Statement Loans make it easier for self-employed borrowers to secure financing without the challenges of traditional mortgage documentation. Instead of relying on tax returns that may show reduced income due to deductions, lenders evaluate 12–24 months of personal or business bank statements to determine your ability to repay the loan.
With fast approvals and flexible terms, you can:
- Secure your dream home quickly
- Avoid delays caused by complex tax returns
- Keep your business cash flow intact while qualifying
- Move forward with confidence using income that reflects your real earnings
These loans are ideal for entrepreneurs, consultants, independent contractors, and business owners whose income may vary from year to year but remains strong overall.
Bank Statement Loan Program Highlights
Loan Amounts:
Loan-to-Value (LTV):
• Up to 80% for investment properties
Documentation Required:
• 12–24 months of personal or business bank statements
• Minimal additional paperwork
• No full tax returns required
Terms:
• Fixed-rate and adjustable-rate options available
• Standard 15–30 year terms
Fast Closing:
• Average closing time of 15 days
Stated Income Loans:
An Alternative Option
In some cases, borrowers may benefit from a Stated Income Loan, which is another flexible mortgage option designed for self-employed professionals.
Rather than relying strictly on tax returns, Stated Income Loans allow lenders to evaluate your overall financial profile, including income, assets, credit history, and supporting documentation such as bank statements or profit-and-loss statements.
This option can be particularly helpful for borrowers who:
- Have significant business deductions that lower taxable income
- Have variable or seasonal income
- Need a simplified approval process
- Want to move quickly on a home purchase or investment opportunity
Like Bank Statement Loans, Stated Income Loans are designed to provide flexibility and faster approvals for borrowers with non-traditional income.
Call (804) 362-7600 to speak with an investor loan specialist
Why Self-Employed Borrowers
Choose Us
We help self-employed professionals secure the financing they need without unnecessary delays or complicated documentation requirements.
Call (804) 362-7600 to speak with an expert.
Fast, simple prequalification to get you moving quickly
Clear, open communication throughout the loan process
Personalized guidance for self-employed income situations
Access to hundreds of lenders to find the best mortgage structure
Financing designed for speed, efficiency, and reliability
Get Started Today
Ready to move forward with a mortgage designed for self-employed borrowers? Our specialists are standing by to provide fast, personalized guidance and help you choose the loan option that fits your income and goals.