For Self-Employed Borrowers

Qualify on deposits — not a stack of tax returns.

If your tax returns don’t reflect your real cash flow, we use 12–24 months of personal or business bank deposits to document income instead.

Check my eligibility

How it works

  • 12 or 24 month personal or business statement options
  • No tax returns or W-2s required
  • Works for 1099 contractors, business owners, and gig income
  • Available for purchase, rate-and-term, and cash-out refinance

No SSN required to inquire. Free, no obligation.

Thanks — we’ll be in touch.

A member of our team will follow up shortly to talk through your loan options.

Other programs to consider

DSCR Loans

Qualify using the property’s rent, not your personal income or tax returns.

Learn more

Foreign National Loans

For non-U.S. citizens buying or refinancing property without U.S. credit history.

Learn more

ITIN Loans

For borrowers who file taxes with an ITIN instead of a Social Security number.

Learn more