Non-Traditional Income? No Problem.
Loans designed for self-employed and 1099 repeat buyers.
Alternative Documentation Options
Skip the tax returns. Use what shows your real 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
That's exactly who these programs are for. Business owners often have high write-offs that reduce taxable income. Bank statements show your actual cash flow.
Typically 10-20% down for self-employed programs. The exact amount depends on your credit score and the specific program.
Yes. Bank statement and asset-based programs work for primary residences, second homes, and investment properties.
Most bank statement programs require 660-680+ credit. We have options for various credit profiles.
See Your Options
No W-2 stress required.