Bank Statement Mortgage

Simplified Income Verification with a Bank Statement Loan

Instead of using W2s, paystubs, or tax returns, this program accepts 12, or 24 months of personal or business bank statements to document income.

Qualify for a Home Loan Based on Your True Income

Bank Statement loans are a viable solution for those who are fully self-employed or those who have a combination of W2 and self-employment income. Instead of using W2s, paystubs, or tax returns, this program accepts 12, or 24 months of personal or business bank statements to document income. 

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As a seasoned mortgage professional with 25 years of experience and a top 50 ranking in the USA by Scotsman’s Guide, my go-to choice for Non-QM lending is unequivocally Home Express Mortgage. Their unmatched proficiency often makes them my sole option; if they can’t facilitate a deal, it’s likely not worth pursuing. The synergy and understanding they bring to the entire mortgage process are exceptional.

– Eric E. 

Why choose our 12/24 Month Bank Statement?

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Bank Statement Mortgage FAQs

A Bank Statement Mortgage helps self-employed workers find home financing. We offer solutions that do not require tax returns and have flexible ways to qualify for your next home purchase or mortgage refinance. 

Self-employed solutions

Bank statement loans offer a convenient solution for self-employed individuals seeking home loans without the need to submit traditional pay stubs and W-2 forms from the previous two years. Instead, lenders evaluate the borrower's bank statements to assess their ability to generate sufficient income, thereby determining their eligibility for a mortgage loan.

Self-employed borrowers will need to submit all required documentation to qualify, such as:

  • Proof of Income
    • 12 to 24 Months of Personal or Bank Statement
    • 1099 Income
    • W2 Income
  • 2 Years of Self-Employed Work History 
    • If you co-own a business, you’ll need to document how much of the business you own.
  • Borrower Financial Details
  • Property Details 

A bank statement mortgage loan could be a suitable option if your tax returns don't accurately reflect your income. In reality, many self-employed individuals qualify for other, more traditional mortgage types, even with irregular income.

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