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No W-2s? No Problem—Try a Bank Statement Loan
Qualify based on your bank deposits, not your tax returns.
Designed for self-employed professionals, freelancers, and business owners who can prove income differently.
What Is a Bank Statement Loan?
A bank statement loan allows borrowers to use personal or business bank statements—typically 12 or 24 months—to verify income instead of traditional documents like pay stubs or W-2s. It’s ideal for those with strong cash flow but complex tax filings.
How It Works
🏦 Use 12–24 months of bank statements to verify income
🚫 No tax returns or W-2s required
📈 Loan amounts typically up to $3M
✅ Can be used for purchase or refinance
Why Use a Bank Statement Loan?
Self-employed borrowers often write off expenses that lower their taxable income. This program focuses on your real deposits—not your adjusted gross income.
Why Borrowers Choose Bank Statement Loans:
📄 No tax returns or W-2s needed
💼 Great for business owners and freelancers
📈 Loan based on actual deposits, not deductions
🏠 Purchase, refi, or cash-out options
🧾 Simplifies qualifying for complex incomes
Bank Statement Loan FAQs
Yes. Most lenders allow either, depending on your business structure.
Yes. Typically, 2+ years of self-employment is required.
Rates may be slightly higher than traditional loans, but the flexibility can be worth it.
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
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NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.