Self-Employed Mortgage Made Easy
Qualify on deposits—not W-2s—up to 90 % LTV for purchases & 80% cash-out refis.
No Tax Returns Needed 
We average 12- or 24-month bank-statement deposits—personal or business.
Up to 90 % LTV Purchase 
Buy with only 10 % down or refi to 80 % cash-out for working capital.
Close in 21 Days 
In-house underwriting + common-sense guidelines mean fewer conditions.
Why Bank-Statement Loans in 2025?
- 83 % of new small-business owners deduct heavy expenses that shrink taxable income—traditional underwriting ignores that cash-flow.*
- Gig-economy earnings ↑ 34 % since 2020; more freelancers need flexible qualifying.*
- Loans up to $2 M with interest-only options give business owners breathing room during growth cycles.
*Source: 2025 SBA Annual Report & Intuit Gig-Economy Index.
Key Program Parameters
| Feature | Purchase | Rate/Term Refi | Cash-Out Refi |
|---|---|---|---|
| Max LTV (≤ $1.5 M) | 90 % | 85 % | 80 % |
| Credit Score | 620 min 680 for max LTV | 620+ | 640+ |
| Bank-Stmt Length | |||
| Property Types | Primary, 2nd home, 1–4 unit investment, warrantable condo | ||
| Doc Options | 12- or 24-mo statements • P&L optional • CPA letter accepted | ||
Who Qualifies?
- Self-Employed ≥ 24 months in the same line of work or 12 months if prior W-2 work was related.
- Bank Statements showing regular revenue (ACH, credit-card batches, Venmo/PayPal, Zelle).
- Healthy average daily balance—we look for consistent liquidity, not just large one-time deposits.
- No major NSF activity or overdrafts in review period.
3 Simple Steps to Approval
1. Quick Apply
Complete the 60-second form above. A secure upload link is emailed instantly.
2. Income Review
Underwriter averages deposits, applies expense factor, and issues pre-approval in 24 hrs.
3. Close & Fund
Appraisal & title ordered day-one; typical clear-to-close in 17-21 days.
Self-Employed Mortgage FAQ
How do you calculate qualifying income?
We total eligible credits on 12 or 24 statements, subtract a 10–25 % expense factor, then divide by months to get monthly income.
Do large single deposits count?
Deposits ≥ 50 % of your average month need a brief paper trail (invoice, contract, Zelle receipt). Transfers between your own accounts don’t count.
Can I vest title in an LLC?
Yes—investment properties may close in an LLC. For primaries and second homes, title must be personal, but LLC funds can still be used for down payment.
What rates should I expect?
Bank-statement rates run ~0.75–1.25 pts above conventional. Ask our advisor for today’s exact par rate.
Is a CPA letter required?
Only if you’ve been self-employed under 2 years or if business-license verification isn’t available online.