Self-employed? Qualify on your deposits, not your tax returns. Bank statement loans read your real cash flow.
Tax returns are designed to minimize taxable income — great in April, frustrating when you apply for a mortgage. A bank statement loan qualifies self-employed borrowers on the money actually moving through your accounts, using 12 to 24 months of statements instead of returns.
Because we're a brokerage, we compare specialty lenders' bank-statement programs to find the one that reads your income most favorably — personal or business accounts, 12 or 24 months, with or without a P&L.
Qualify on deposits across 12–24 months, not your write-off-heavy returns.
Use your real cash flow when a W-2 doesn't tell your story. 1099 loans →
Lumpy income smoothed across a full year of statements.
Business-purpose (investor) loans only — not consumer mortgages. Availability is lender- and state-specific and subject to change; ask us about your state.
We arrange business-purpose (investor) loans — DSCR, hard money, bridge and commercial — in: Alaska, Alabama, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, West Virginia, Wyoming.
A rough estimate of the income a bank-statement program might credit you. Your actual figure depends on the lender and your statements — we’ll calculate it with you.
Information and interactive calculators are made available as self-help tools for your independent use and are not intended to provide investment advice. Results are hypothetical illustrations based solely on the figures you enter — they are not a quote, rate offer, or commitment to lend, and we cannot guarantee their applicability or accuracy to your situation.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
Lenders average qualifying deposits over 12 or 24 months, often applying an expense factor for business accounts. We'll estimate it with you before you apply.
Most programs want a two-year self-employment history, though some are flexible. We'll check your situation.
Either, depending on the program — we'll use whichever presents your income best.
No tax returns. Some programs ask for a simple profit-and-loss statement; we'll tell you up front.
Yes, for second homes and investment too — though for pure rentals a DSCR loan may be simpler.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.