Self-employed in Massachusetts? Qualify on your deposits, not your tax returns.
Massachusetts has one of the densest small-business economies in the country — and a lot of would-be buyers whose tax returns understate what they really earn. A bank statement loan qualifies self-employed Massachusetts borrowers on 12 to 24 months of deposits instead of returns.
Atlantic is licensed in Massachusetts and shops bank-statement programs across our lender network, so your Greater Boston, Worcester or Springfield-area file lands with the lender that reads your income best.
Qualify on deposits across 12–24 months.
Lumpy income smoothed across a full year.
Consultants, agents and contractors statewide.
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.
Yes — Atlantic is licensed in Massachusetts alongside Rhode Island, Pennsylvania, Florida and Alabama.
Lenders average qualifying deposits over 12 or 24 months, often with an expense factor for business accounts. We'll estimate it with you up front.
Either — we'll use whichever presents your income best.
Yes — though for a pure rental a Massachusetts 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.