Self-Employed? Qualify for a Home Loan Using Bank Statements or Profit & Loss Statements Only
Bank Statement Loans
Getting a mortgage shouldn’t be harder just because you’re self-employed. Traditional lenders often require W-2s and tax returns that don’t reflect your true income — but that’s where Bank Statement Loans come in. Whether you’re a business owner, contractor, or freelancer, this loan type uses your actual bank deposits to help you qualify quickly and easily.
Profit & Loss Statement Loans
If you’re self-employed or a business owner struggling to qualify for a mortgage using traditional documentation, a Profit & Loss (P&L) loan might be the perfect solution. Instead of relying on full tax returns or W-2s, this loan program uses your CPA-prepared P&L statement to verify income — giving you a faster, simpler path to homeownership. Whether you're a freelancer, consultant, or entrepreneur, we tailor flexible mortgage options designed to fit your unique financial situation.