Income by Deposits
Your qualifying income comes from the deposits on your statements — not the bottom line of your tax returns.
A smarter path to a mortgage when you work for yourself. Bank statement loans qualify you on the deposits flowing through your accounts — not your tax returns — so the income you actually earn is the income that counts.
A bank statement loan is a mortgage that measures your income from the deposits on your personal or business bank statements — usually 12 to 24 months’ worth — instead of from tax returns, W-2s, or pay stubs. It’s a type of Non-QM loan built for self-employed borrowers and business owners whose tax returns, after write-offs and deductions, understate the cash flow they really live on.
The Emerald Coast runs on small businesses — charter captains, contractors, shop owners, real-estate agents, and seasonal operators from Panama City Beach to 30A. If you’ve ever been told your tax returns “don’t show enough” even though business is good, this is the loan we reach for.
Your qualifying income comes from the deposits on your statements — not the bottom line of your tax returns.
Designed for the self-employed, business owners, freelancers, and commission or gig earners.
No tax returns or W-2s required — qualify with 12 to 24 months of personal or business bank statements.
A strong option for capable, creditworthy borrowers the conventional box tends to miss.
Three simple steps from “just looking” to keys in hand.
Tell us how your business earns — the accounts your deposits land in and how steady they are — and we’ll point you to the right program.
Pull together 12 to 24 months of personal or business bank statements. No tax returns or W-2s needed.
We review your deposits and credit, then pre-qualify you so you know your price range and can shop with confidence.
Let’s find out if a Bank Statement Loan is the right fit for you. It takes just a few minutes — no obligation.