Qualify for a mortgage using your actual business bank statements instead of tax returns or W-2s.
Mortgage Broker & Advisor
NMLS #2453986
"I specialize in custom-tailoring this loan program to fit your long-term wealth goals."
Traditional mortgage guidelines penalize self-employed borrowers, business owners, and independent contractors who write off business expenses on their tax returns.
A Bank Statement Loan allows you to qualify using the actual cash flow deposited into your business or personal bank statements over 12 or 24 months. We calculate your qualifying income based on average monthly deposits, allowing you to purchase a home in Houston, Sugar Land, or Pearland with ease.
Key Benefits of this ProgramWe completely bypass your tax returns, ignoring paper write-offs and depreciation.
Your qualifying income is calculated directly from the average monthly deposits of your bank statements.
Choose between 12-month or 24-month statement reviews depending on your business cycle.
Perfect for securing luxury or jumbo homes in premier communities like Sugar Land or The Woodlands.
Every file is unique, but here are the typical benchmarks used across our 160+ Lender Network:
We review 12 or 24 months of deposits. For business accounts, we apply a standard expense factor (typically 50%, unless a CPA letter justifies a lower expense ratio) to the average deposits. For personal accounts, we typically count 100% of the transfers from your business account.
Yes! If you transfer your business income into a personal account and pay your personal expenses from there, we can use 12 or 24 months of personal statements. This often results in a higher qualifying income because no expense factor is applied.
Most bank statement programs require a simple letter from your CPA, tax preparer, or bookkeeper confirming that you have owned the business for at least 2 years and verifying your current ownership percentage.