Bank statement loans are specialty mortgage programs designed for self-employed borrowers who have trouble showing their income through traditional documentation. Instead of W-2s or tax returns, qualification is based on 12-24 months of personal or business bank statements — giving a more accurate picture of your actual earning capacity. This is ideal for business owners, freelancers, and entrepreneurs whose tax returns understate their true income due to business write-offs. Contact Q Home Loans to discuss your situation.
Qualify using bank deposits instead of tax returns. Your actual cash flow matters more than what your CPA reports to the IRS.
Use either personal or business bank statements — whichever better reflects your true income as a self-employed borrower.
Designed specifically for business owners, freelancers, 1099 contractors, and gig economy workers with non-traditional income.
Bank statement loans aren't limited to primary residences. Finance second homes and investment properties too.
Down payment requirements vary by loan amount and property type. Contact us for current program details and options.
Bank statement programs can accommodate larger loan amounts for qualified borrowers — including jumbo-level financing.
Get answers to common questions about bank statement loans.
Explore other financing options that may fit your situation.
Q Home Loans specializes in bank statement loans for homebuyers and investors in Washington. Get expert guidance and competitive rates.