Bank statement loan
A non-QM mortgage that qualifies borrowers using 12–24 months of bank deposits instead of W-2s and tax returns. The lender averages monthly deposits and applies an expense factor — typically 50% for business accounts, 0% for personal accounts — to arrive at a qualifying income. Designed for self-employed borrowers whose tax returns understate their true cash flow due to deductions. Non-QM loan options →