If your tax returns understate what your business actually earns, a bank statement loan qualifies you on the money that moves through your accounts — 12 or 24 months of real deposits.
Share a few details and our team can Tell us how your business deposits — we will match your file to the right program.
Prefer to talk now? 954-590-8464A bank statement loan is a non-QM mortgage that calculates your qualifying income from business or personal bank deposits rather than tax returns. Lenders typically review 12 or 24 consecutive months and derive a monthly figure from the pattern they see.
This suits self-employed borrowers, business owners, freelancers, and contractors whose write-offs leave a taxable income far below their real cash flow — the exact situation that gets a conventional application declined.
When your returns say one thing and your deposits say another, the deposits can carry the file.
Qualification is built from bank deposits, so write-offs never shrink your qualifying income.
Choose the lookback window that presents your income in the strongest light.
Deposits from business accounts, personal accounts, or a blend are generally accepted.
Well-qualified borrowers can reach 90% LTV; 20-25% is more typical.
Primary residences, second homes, and investment properties are eligible.
Some programs accept a CPA or EA letter alongside the statements to confirm the figures.
These are typical bank statement guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Commonly 640 minimum, with 700+ unlocking better pricing and higher LTV.
As little as 10% for strong files; 20-25% is typical for investment properties.
Non-QM allows DTI beyond the 43% agency ceiling when reserves and credit support it.
12 or 24 consecutive months of business and/or personal statements.
A lender-set expense ratio is applied to deposits, commonly 50% for business accounts.
Generally three to six months of payments, depending on loan amount and LTV.
Complete one application and tell us about your goals and timeline.
We review your file, check BANK-STATEMENT guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
Self-employed borrowers, business owners, 1099 contractors, and freelancers whose tax returns show a low taxable income after deductions. If a conventional lender declined you on income, this program works from a different set of numbers.
Most programs accept 12 or 24 consecutive months. A 24-month lookback often produces a more stable average, while 12 months is faster to assemble — a specialist can advise which presents you better.
Yes. Many programs accept business deposits, personal deposits, or a combination, and apply a standard expense factor to arrive at qualifying income.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your BANK-STATEMENT options — we'll guide you from application to keys.
