Bank statement loans for the self-employed
Non-QM pricing moves with your deposits, credit, and down payment, so a generic rate board would be fiction. Instead we price your actual file across our bank statement lenders and show you the spread between them, usually the same day.
Price my fileQualify on 12 or 24 months of real deposits instead of tax returns, priced across multiple non-QM lenders.
- 12 or 24 months of deposits
- Personal or business statements
- Purchase, refinance, or equity
Why HomePilot
Bank Statement loans, the wholesale way.
Your deposits are your income
Twelve or 24 months of bank statements stand in for tax returns. Write-offs that shrink your taxable income stop shrinking your buying power.
Personal or business statements
Both work. Business statements apply an expense factor to gross deposits, and we structure whichever presentation qualifies you for more.
Multiple non-QM lenders compete
Bank statement pricing varies wildly between lenders, far more than conventional. One quote is a guess; our job is collecting several on the same file.
$0 lender fees, same as everything we do
Non-QM loans are where junk fees usually hide. Not on our files: no origination, processing, or underwriting fees from us.
Purchase, refinance, or equity
Buy the house, refinance the one you have, or pull equity out, all qualified on deposits. Primary homes, second homes, and rentals included.
A bridge, not a life sentence
Many self-employed borrowers refinance into conventional once their returns support it. We flag the moment your file gets there.
How people use it
Three ways this plays out.
Strong revenue, aggressive write-offs
The classic self-employed trap: real cash flow, small taxable income. Bank statement qualifying reads the deposits instead, and your CPA's good work stops costing you a mortgage.
New-ish business, real momentum
Twelve months of solid deposits can be enough. We match your history to the lenders whose guidelines actually fit it instead of collecting declines.
1099 or gig income, multiple sources
Deposits from several payers tell one clean story on statements. We assemble it the way non-QM underwriters want to read it.
The $500 Best Price Guarantee
Self-employed shouldn't mean overcharged. Make non-QM lenders compete like everyone else.
If we can't beat your combination of interest rate, lender fees, and monthly mortgage insurance on an eligible offer, we'll pay you $500 after you close with the other lender.
Eligible offers, terms apply. Read the full terms
Send us your quoteQuestions
Bank Statement loan questions, answered straight.
Ready when you are.
Sixty seconds to your live quote. No Social Security number, no hard credit pull, no sales calls you didn’t ask for.
Price my file