See if you qualify — free, 60-second check.
The free eligibility check at the top of this page is the fastest way to see your bank statement loan options. It asks a few simple questions, takes about a minute, and there's no credit pull and no obligation to see your results.
Whether you're self-employed or earn 1099 income and for how long; your average monthly deposits (this drives your qualifying income); what you'd like to do — buy a home or an investment property; your target price range; and how you'd describe your credit.
An eligibility check is not a loan application. We gather only enough to point you in the right direction, so checking costs you nothing and never touches your credit score. You decide if and when to move forward.
A bank statement loan is a non-QM mortgage that lets self-employed borrowers qualify using 12–24 months of bank deposits instead of tax returns, W-2s, or pay stubs.
Lenders average your monthly deposits and apply an expense factor (commonly around 50%) to estimate your qualifying income — so heavy tax write-offs don't hurt you.
Typically 2 years of self-employment, a 620+ credit score, 10%+ down, and consistent deposits. Stronger deposits and credit unlock better terms.
As a rough guide, roughly 50% of your monthly deposits is counted as income. Depositing ~$20k/month can support around a $350k purchase. Use the calculator below for your numbers.
Free, no-obligation. See what you qualify for in about a minute.