Bank Statement Loan is a mortgage that self-employed borrowers can use to qualify for a mortgage. It doesn't require your tax records to qualify.

12/24 Month Bank Statements

Qualify using 12/24 months bank statements

Minimum Credit Score Requirement

660+ FICO Credit Score Required

Low Down Payment Requirements

You may qualify with as little as 10% down

Want to make sure you get the best rates?

Our brokers work with over 15 lenders to find you the best bank statement mortgage.

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How we help

We Shop Around For The Best Mortgage Program For You

Finding the right lender who works with entrepreneurs is a long and tiring process.

Our Brokers work with multiple lenders to find you the best mortgage.

FAQ

It's time you hear more reasons why you qualify for a mortgage

How are you any different from other lenders?

When you work with other lenders, you rely on their underwriting team to make the decision to approve you for a loan. What we do is find mortgage brokers who offer programs catering to self employed people like you and put you in touch with them.

Why would I want to use a broker instead of a lender?

When you work with a 'direct lender' you're putting your eggs in one basket. Working with a broker ensures that you have options when it comes to getting a mortgage. Plus the broker shops for you instead of you having to call every lender in town for a mortgage.

My tax records don't show enough income, can I qualify?

Our lenders don't look at tax records to qualify you for a mortgage.

Should I get a W2 job to qualify for a mortgage?

Although it's easier to get a job as a W2 employee, you don't need to get a temporary job just to qualify for a mortgage. Our lenders have programs specialized for entrepreneurs like you.

What program is the right one for me?

We specialize in four programs that cater to self employed entrepreneurs: Bank Statement Loans, Asset Depletion Loans, DSCR Loans and Jumbo Loans. They have different purposes however all have proven to get entrepreneurs a mortgage. Just schedule your consultation and we'll find the program that works best.

I don't have a W2 or any income coming in but I have assets, can I qualify?

If you have significant liquid assets like cash, stocks, bonds, etc then you may qualify for what's called an Asset Depletion Loan. Our lenders helped many entrepreneurs buy their home using an Asset Depletion Loan.

I want to buy an investment property, can I qualify?

If you're looking to scale your real estate investments then we can help you with a DSCR Loan with a low downpayment. With a DSCR loan, lenders only look at the potential rental rate of the property to qualify you for a mortgage.

What is a Qualifying Mortgage?

A Qualifying Mortgage is a mortgage that meets the guidelines of Fannie & Freddie. Think of programs like FHA, VA, Conventional Loans etc. These are full doc programs that most self employed people don't qualify for.

What is a Non-Qualifying Mortgage?

A Non-Qualifying Mortgage is the category of mortgages that don't have the strict rules of a Qualifying Mortgage. These mortgage products tend to have flexible guidelines to allow self employed borrowers to qualify. Traditionally, they have a slightly higher rate associated with them.

Tired of getting rejected by other lenders?

Talk to an expert who can qualify you and close in the next 30 days.

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The Last Company You Need to Call.

We find the top 1% of mortgage brokers so you don't have to.

Navigating the mortgage process as an entrepreneur can be a massive pain. Within a few minutes, the team at Selfem connected me with a broker who actually understood the financial situation of small business owners and provided several mortgage options for us. A huge win!

Cameron Smith - The Eddyline Company

Who our clients are

1099 Contractors

Freelancers

Investors

Startup Founders

SMB Owners

HNW Individuals

You're in great company.

See what your clients say about us

As a startup founder, getting a mortgage was a nightmare. Selfem connected me with a mortgage broker who understood my situation.

Usman Shabbir - Founder at Parallel

Selfem connected me with a specialized mortgage broker who patiently walked me through a variety of mortgage programs with reasonable rates that I hadn't known about. I'd recommend using Selfem for their speed, attention to detail and desire to serve.

Richard Gayler - @howdoibuildthis

Who You'll Work With

We connect you with the best.

>$500MMortgages Closed

+ 15 YearsExperience

Top 1%Loan Officers

Getting a mortgage is a nightmare for entrepreneurs, and you realize that as far as the traditional financial system goes, you're riding in steerage.

Andrew Finn - G64 Ventures