Nobody tells creators this.
If you make your money online, YouTube, Twitch, TikTok, you don’t need two years of tax returns to buy a house, or pull cash out of your existing home. Bank statement programs can qualify you on twelve months of deposits, not your tax returns.
Your deposits are the file. See if you qualify.
Available in Arizona, California, Colorado, Florida, and Texas.
Your deposits are the file
Bank statement programs review twelve months of business deposits instead of your tax returns. The write-offs that help you in April stop hurting you at the closing table.
Built for online income
YouTube, Twitch, TikTok, sponsorships, affiliate revenue, digital products. If your money arrives as deposits from platforms, there are programs designed to read it that way.
No two years of returns required
These programs don't require two years of tax returns to buy a house or pull cash out of a home you already own.
Priced across wholesale lenders
HomePilot is a broker. Your scenario is priced across the wholesale lenders we work with, not one retail rate sheet.
Questions, answered
- What counts as income?
- Business bank deposits over the last twelve months. Lenders review the deposit pattern, not your Schedule C. Which platforms and deposit types a given lender accepts varies, and that's part of what we check for your scenario.
- Does checking require a hard credit pull?
- No. Seeing whether a program fits your deposits starts with a conversation, not a credit report.
- Can I pull cash out of a home I already own?
- The same programs apply to cash-out scenarios on an existing home, qualified on deposits rather than returns.
Program availability, deposit types, and qualification requirements vary by lender and are subject to change. Not a commitment to lend. All loans subject to credit approval, underwriting, and property qualification. Available in AZ, CA, CO, FL, TX. HomePilot Mortgage, NMLS #2752340. Equal Housing Lender.