Flexible Financing for Self-Employed Borrowers
The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead of W-2s, borrowers can use 12 to 24 months of business bank statements to verify income — a practical solution for those with complex or variable income streams.
Underwriter Program Highlights
- Loan amounts starting from $200,000 TO $2,000,000
- Up to 85% LTV for qualifying borrowers
- Minimum credit scores starting at 600
- DTI up to 50%, depending on file strength
- Accepts business or personal bank statements
- Designed for entrepreneurs, freelancers, and investors
Why This Program Works
By focusing on actual cash flow rather than traditional documentation, this program empowers borrowers with consistent deposits and strong business performance to qualify based on real financial capability, not tax write-offs. Ideal for self-employed homebuyers or property investors seeking flexibility, transparency, and faster approvals.
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Missouri, Nevada, New Mexico, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Vermont, Virginia, Washington, and Wisconsin.
Last Updated on 3 weeks ago by Broker Mortgages