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Bank statement loans for the self-employed

30-yr bank statement · purchaseLive
Rate
7.375%
APR
7.463%
Points
0.63
($2,948)
Price my file

Sample scenario: $625,000 purchase, 25% down ($468,750 loan), 780 FICO, qualifying on 12 or 24 months of bank statements, single-family primary home, 30-day lock. Every bank statement file is still priced individually across our non-QM lenders. Priced as of October 13, 2026 09:22 AM.

  • 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.

Price my file

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 quote

Questions

Bank Statement loan questions, answered straight.

The lender totals your deposits over 12 or 24 months, applies an expense factor if they're business statements, and treats the result as qualifying income. No tax returns required on the standard program.

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