Bank Statement Loan
Your business success shouldn't disqualify you from homeownership. Qualify using 12–24 months of bank statements — no W-2s, no tax returns, no problem.
Talk to Andrew About Bank Statement LoansFinancing Built for Business Owners
Traditional mortgages were designed for W-2 employees. But if you're self-employed, a freelancer, or a business owner, your tax returns often don't reflect your actual income — because smart business owners reduce their taxable income. A bank statement loan looks at what's actually flowing through your accounts, giving you a fair shot at the home you've worked hard to deserve. For a fuller comparison of your options — bank statements, conventional, FHA and USDA — and the documents lenders ask for, read Mortgage Options for Self-Employed Buyers in Middle Tennessee.
How It Works
Gather Your Bank Statements
Provide 12–24 months of personal or business bank statements. We review consistent deposits to calculate your qualifying income — no W-2s or tax returns required.
Andrew Calculates Your Income
Andrew analyzes your monthly deposits, applies an expense factor based on your industry, and arrives at a documented qualifying income that reflects your real earning power.
Get Pre-Approved and Shop
With a bank statement pre-approval in hand, you shop for homes with confidence — and sellers take you seriously.
Close on Your Terms
Andrew guides you through underwriting and to closing day with clear communication every step of the way.
No Tax Returns Required
Your Schedule C write-offs work against you on traditional loans. With a bank statement loan, we base your income on actual deposits — not your adjusted gross income.
Personal or Business Accounts
Use personal bank statements, business bank statements, or a combination of both. We work with your financial structure, not against it.
Loan Amounts Up to $3M+
Bank statement loans are available for primary residences, second homes, and investment properties — with competitive loan limits for high-earning entrepreneurs.
Flexible Loan Terms
Choose from fixed or adjustable rate options with terms up to 30 years. Andrew will match you with the structure that aligns with your financial goals.
Fast Pre-Approvals
In competitive markets, speed matters. Andrew moves quickly on bank statement reviews so you're ready to make offers the moment the right home comes along.
Multiple Property Types
Finance single-family homes, condos, townhomes, and 2–4 unit properties. This loan works for primary residences, vacation homes, and investment properties alike.
Typical Qualification Parameters
This Loan Is Perfect For...
Your Business Built This. Let's Get You the Home.
Andrew specializes in bank statement loans. He'll review your statements and tell you exactly what you qualify for — fast.
Get Your Bank Statement Pre-Approval
