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Mortgage Options for Self-Employed Borrowers

Qualify using bank statement deposits instead of relying solely on tax returns. A flexible mortgage option for business owners, freelancers, and other self-employed borrowers with strong cash flow.

A Better Fit for Nontraditional Income

If your tax returns don’t fully reflect what you earn, a bank statement loan may offer another way to qualify for a mortgage.
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Designed for Self-Employed Borrowers

Bank statement loans use recent bank deposits to help determine qualifying income, making them a strong option for borrowers with variable or complex income.

  • Ideal for business owners and self-employed borrowers
  • Uses bank statement deposits to help verify income
  • Helpful when tax write-offs reduce reported taxable income
  • Available for purchase and refinance
  • Can work well for freelancers, consultants, and independent contractors
  • Offers an alternative to traditional income documentation
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What You’ll Need to Qualify

Qualification is based on your overall financial profile and documented bank activity.

  • Personal or business bank statements
  • Consistent qualifying deposits
  • Self-employment or business income history
  • Credit requirements apply
  • Down payment or sufficient equity required
  • Property and loan-to-value requirements apply
  • Reserve requirements may apply
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When a Bank Statement Loan Can Make Sense

This type of financing can be especially useful when your actual cash flow is stronger than the income shown on your tax returns.

  • You own a business and take significant tax deductions
  • Your income varies from month to month
  • You’re a freelancer, consultant, or independent contractor
  • Traditional tax-return income understates your earning ability
  • You want to purchase a home without using standard income documentation
  • You want to refinance while qualifying based on bank deposits
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See If a Bank Statement Loan Fits Your Situation

Tell us about your income, banking activity, and mortgage goals, and we’ll help you review available options.

  • Choose purchase or refinance
  • Provide basic borrower and property information
  • Share recent personal or business bank statements
  • Review qualifying income and available loan options
  • Complete your application
  • Submit any additional requested documentation
  • Move toward approval and closing

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LoanFlight Lending, LLC.

NMLS #1522344 

4343 Anchor Plaza Pkwy
Suite 210
Tampa, FL 33634

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