You Work Differently. Your Loan Should Too.
Bank statement loans and alternative docs for self-employed buyers.
Documentation Options
Skip the tax returns. Use what actually shows your income.
Bank Statement Loans
12-24 months of deposits
- Personal or business accounts
- Average deposits = your income
- No tax returns required
- Great for write-off heavy businesses
1099 & Asset-Based
Alternative documentation
- 1099 income only programs
- Asset depletion methods
- Qualify using savings/investments
- For contractors and gig workers
Frequently Asked Questions
We average your deposits over 12-24 months to calculate income. No tax returns needed. If your deposits are consistent, you can qualify.
That's exactly who these programs are for. Your tax return may show low income, but your bank deposits show the real picture.
Most bank statement programs require 660-680+ credit. We have options for various credit profiles.
Typically 10-20% down for self-employed programs. The exact amount depends on your credit and the loan type.
Find Your Fit
See which self-employed homebuying option works for you.