Bank-statement mortgage loans · Self-employed borrowers

Qualify with cash flow that reflects how your business operates.

For some self-employed borrowers, taxable income does not show the full picture. A bank-statement program may analyze eligible deposits over a defined period instead of relying only on traditional tax-return income.

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How it works

Start with the features that shape the decision.

Personal statements

Some programs use eligible deposits shown in personal bank accounts.

Business statements

Business deposits may be reviewed with an applicable expense factor or supported expense analysis.

Program-specific review

Account ownership, deposit consistency, transfers and unusual activity must be documented.

Plan before you apply

Details to review with Joe.

Keep business and personal activity as clear and consistent as possible.
Be ready to explain large, irregular or transferred deposits.
Document self-employment history and business ownership.
Compare calculated qualifying income, down payment, reserves and pricing across options.

Common questions

Qualify with cash flow that reflects how your business operates FAQ

How many months of statements are needed?

Programs commonly review a defined series of statements, but the exact period varies.

Do all deposits count as income?

No. Transfers, loan proceeds and other non-income deposits are generally excluded.

Can I use business and personal statements together?

Some programs allow different approaches, but mixing accounts and income sources requires careful review.

1099-only loans Non-QM loans Second-home loans

A clear comparison

See how this option fits your goals.

Joe can review your scenario, explain the tradeoffs and compare available alternatives without the jargon.

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Joe Rogers, EVP of Sales – Cornerstone Division and Mortgage Loan Originator, NMLS #188286. For informational purposes only. Loan programs, rates, terms and eligibility are subject to change without notice. All loans are subject to credit approval, property approval and underwriting requirements. Not all applicants will qualify. Equal Housing Opportunity.