Bank Statement Mortgage Loans

Unlock Homeownership with Flexible Mortgage Solutions Using Your Bank Statements

Perfect for self-employed individuals and entrepreneurs with non-traditional income.

Tailored Mortgage Solutions for Self-Employed Borrowers Through Bank Statement Verification

Bank Statement Mortgage Loans are designed to make homeownership accessible for self-employed individuals, freelancers, and business owners who may not have traditional income documentation. Instead of relying on W-2s or tax returns, lenders use 12–24 months of your bank statements to evaluate income and financial health. This flexible approach allows entrepreneurs to qualify for a mortgage that matches their real cash flow, offering competitive rates, higher loan amounts, and a simplified approval process. With this solution, you can confidently achieve your dream of owning a home without the barriers of conventional lending requirements.

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Simplified Mortgage Solutions for Self-Employed and Business Owners

Bank Statement Mortgage Loans are designed for self-employed borrowers and business owners who may not have traditional income documentation like W-2s or tax returns. By using 12–24 months of personal or business bank statements, lenders can assess your real income and provide a flexible mortgage solution. With competitive rates, higher loan amounts, and simplified approval processes, Bank Statement Loans make homeownership accessible for entrepreneurs and professionals with non-traditional income sources.

Gather 12–24 Months of Statements
Separate Personal and Business Accounts
Maintain Consistent Deposits
Minimize Large Unexplained Transfers
Show Strong Business Growth

Prepare for Larger Down Payment
Build and Maintain Good Credit
Choose a Lender Experienced in Self-Employed Loans
Keep Business Expenses Documented
Work with a Mortgage Advisor

Why Choose Duane

Your Trusted Partner in Home Financing

Expert Guidance

Duane provides professional advice and personalized support throughout your mortgage journey.

Competitive Rates

He ensures you get the best possible rates and flexible loan options to fit your budget.

Transparent Process

From application to closing, every step is clear, simple, and stress-free.

Dedicated Support

Duane is always available to answer questions, offer guidance, and make your homeownership dream a reality.

Flexible Mortgage Solutions

We offer a variety of loan programs tailored to your needs, ensuring a smooth and personalized path to homeownership.

Common Questions

Frequently Ask Questions.

What types of loans do you offer?

We offer conventional, FHA, VA, USDA, construction, commercial, renovation, DSCR, foreign national, and fixed-rate mortgages.

How do I know which loan is right for me?

Our experts review your financial goals and suggest the best loan program tailored to your needs.

What is the minimum credit score required?

It depends on the loan type; conventional loans typically require a higher score, while FHA loans are more flexible.

Can I get pre-approved for a mortgage?

Yes, we provide pre-approval to help you understand your budget and strengthen your offer on a home.

Do you offer assistance with down payments?

Yes, we provide down payment assistance programs to make home buying easier for eligible clients.

How long does the mortgage process take?

Typically, the process takes 30–45 days from application to closing, depending on documentation and loan type.

Are there any hidden fees?

No, we prioritize transparency; all fees and rates are disclosed upfront.

Can first-time homebuyers apply?

Absolutely! We specialize in helping first-time buyers with guidance and flexible loan options.

Do you offer refinancing options?

Yes, we provide refinancing solutions to reduce monthly payments or change loan terms.

How do I get started?

You can start by contacting us for a free consultation, submitting your documents, and getting expert guidance.