BANK STATEMENT LOANS · P&L ONLY · NON-QM · NO W2 REQUIRED .
Self-employed mortgage
Self-Employed Mortgage — Qualify on What You Actually Earn, Not What Your Tax Return Shows.
12 or 24 months of bank statements. P&L only programs. No W2. No tax return. Your write-offs built your business — they shouldn’t cost you your home.
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The bank looked at your tax return. We look at your bank account.
A bank rejection doesn't mean you can't afford the home. It means you're using the wrong lender.
Here’s what happened at the bank. Their underwriting system pulled your tax returns, saw the income after write-offs, calculated your debt-to-income ratio, and generated a decline. The system doesn’t know you deposited $280,000 last year. It only sees the $72,000 you reported after expenses.
That’s not a problem with your finances. That’s a problem with the wrong loan type.
- Bank statement loans use your actual deposits — not your taxable income — for qualification. 12 or 24 months of statements replace the W2 and tax return entirely. Your write-offs reduce what the IRS sees.
- They don’t reduce what your bank account shows. Those are two completely different numbers, and bank statement programs use the right one.
One dedicated loan officer. Your business financials handled with complete confidentiality. No call centers. No unnecessary disclosures.
Every loan type on this page closes through a dedicated loan officer assigned to you from pre-approval to keys.
Which program fits your income structure?
Quick answers — the 3 questions self-employed borrowers ask us first
Yes. Bank statement loans use 12 or 24 months of deposit history instead of tax returns. P&L only programs use a CPA-prepared profit and loss statement. Neither program requires W2s, federal tax returns, or Schedule C review. Access Financial offers both. The qualification is based on what you deposited — not what you reported after write-offs. Most self-employed borrowers who were rejected by a bank qualify for one of these programs.
For personal bank statements: lenders add up 12 or 24 months of deposits and divide by the number of months to get average monthly income. 100% of personal deposits typically count. For business bank statements: lenders apply an expense factor — typically 50% — to account for business expenses. A business account showing $30,000/month in deposits becomes $15,000/month in qualifying income at a 50% factor. Some lenders adjust the factor based on your industry.
No. Bank statement and P&L loans qualify you on deposit history and gross business income — not taxable income after deductions. Your write-offs are completely irrelevant to the qualification calculation. You keep every deduction your CPA built into your tax strategy. The whole point of Non-QM programs is to separate mortgage qualification from tax reporting. They were specifically designed for this.
The self-employed mortgage process at Access Financial
One free consultation identifies the right program before any paperwork moves
Tell us how you earn your income
15-minute consultation — by phone or online form. Tell us your business structure (sole prop, S-Corp, partnership, 1099), roughly how much you deposit monthly, how long you've been self-employed, and what you want to buy. No credit pull at this stage. This conversation identifies the qualification path before any documents are shared.
We identify your qualification path
After the consultation, your loan officer runs the numbers across the programs available to your income type. Bank statement at 12 months vs 24 months. P&L vs bank statement. Conventional full doc as a comparison. You get the rate for each path and the qualification income for each — so you can make an informed choice, not just accept whatever the lender recommends.
We collect your documents — securely
Bank statements are collected through a secure borrower portal. Business financials are handled by your dedicated loan officer — not a processing team that rotates. If your CPA is preparing a P&L, we communicate directly with them to ensure the letter meets program requirements. Your documents stay within the loan file. We don't share them unnecessarily.
Manual underwriting — a real person reviews your file
Self-employed mortgage underwriting is manual, not automated. A human underwriter reviews your deposit history, business stability, credit profile, and property details. We prepare your file presentation carefully — how the deposits are summarized and how the business is described matters in manual underwriting. Sloppy files cause delays and conditions. We prep yours before it goes to the lender.
Pre-approval and close on your timeline
Pre-approval letter issued within 24 hours for straightforward files. Bank statement loans typically close in 21–35 days depending on appraisal scheduling. P&L programs run on a similar timeline. Your loan officer gives you their direct line. You're not transferred to a processor and then a closer and then a funder — one person stays on your file.