Bank Statement Loans are flexible non-QM mortgage programs designed for self-employed individuals, freelancers, and business owners. Instead of tax returns, we use your bank deposit history to qualify your income.
No tax returns • Flexible underwriting • Built for entrepreneurs
A Bank Statement Loan is a non-traditional mortgage program that qualifies borrowers based on 12–24 months of bank statements rather than W-2s or tax returns.
This program is ideal for borrowers whose taxable income does not fully reflect their true earning power due to business deductions, write-offs, or variable income.
Lenders review either 12 or 24 months of bank statements to determine consistent income patterns.
Longer histories may result in stronger qualifying income and improved loan terms.
This approach benefits borrowers who manage income strategically for tax purposes but maintain steady deposits month over month.
Qualifying income is based on average monthly deposits
As non-QM loans, Bank Statement programs have unique terms:
At Loans by Kelly, we specialize in helping self-employed and non-W2 borrowers qualify using real cash flow—not tax returns.
We work with top non-QM lenders to structure the right loan for your income profile.
Support available in English, Portuguese, and Spanish.
3 Simple Steps to Get Pre-Approved with Confidence
We begin with a quick conversation to understand your goals, review your financial situation, and identify the best loan options for you.
We match you with the right loan option, whether you’re a first-time homebuyer, investor, self-employed borrower, or using alternative documentation.
Submit your application and receive a fast, no-obligation pre-approval, so you can move forward with confidence.
