Qualify on what lands in your account, not your tax return.
Bank statement loans across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Your deposits become the income figure. No tax returns, no W-2s, and no argument about what your write-offs did to your bottom line.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
A bank statement loan is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You write off most of what you earn | Legitimate deductions make your taxable income look small. Deposits tell the truer story | Self-employed → |
| You own a business with real revenue | The revenue is visible in the account even when the return does not show it | P&L only → |
| You are a contractor paid on 1099 | Regular deposits from a handful of clients is exactly the pattern this reads well | Government contractor → |
| Your accountant did their job properly | And in doing so made you look unmortgageable to a bank | P&L only → |
| A bank has already declined you | This is the most common file we rescue, and the decline was usually about documentation | All non-QM → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a bank statement file needs
Business or personal bank statements
Usually twelve or twenty-four months, depending on the lender and how steady the deposits are.
Deposits that make sense
Consistency matters more than size. Wild swings need explaining, and often can be.
Evidence you own the business
A licence, a CPA letter or similar, depending on the lender.
A credit history the lender can price
Non-QM is not a workaround for credit. It is a workaround for documentation.
A deposit
Generally more than an agency loan asks for, because the lender holds this loan itself.
An explanation for large one-offs
A single unusual deposit is fine. It just needs a sentence attached to it.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Not every deposit counts
Transfers between your own accounts, loans and one-off items are usually stripped out. The qualifying figure is lower than the raw total.
Lenders calculate this differently
One will use a fixed expense assumption, another will want your accountant to state it. The same statements can produce very different answers.
Pricing is higher than agency lending
You are paying for a lender that will do the work of reading your income properly. Worth comparing against waiting a year to file differently.
Nadeem Bhatti
Where we place bank statement loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What business owners ask first
Do I need tax returns?
No. That is the entire point of the product. Your deposits are used instead.
How many months of statements?
Usually twelve or twenty-four, depending on the lender and how steady your deposits look. Twelve is more common than people expect.
Can I use personal statements?
Often yes, particularly if business income lands in a personal account. Which works better depends on the lender.
Is the rate higher?
Usually somewhat. The lender is doing more work to understand your file, and it holds the loan itself. We will show you the comparison.
How long do I need to have been self-employed?
Less than most people assume, and it varies by lender. This is exactly the sort of rule that differs across the hundred we work with.
Find out what your deposits qualify
Send us twelve months of statements. We will tell you roughly where you land, free, with no credit pull.