Independent brokerage since 20074.5★ on GoogleLicensed in RI, MA, PA, FL & ALA network of specialty lenders, one application
Rhode Island runs on small business — contractors, restaurateurs, shop owners, tradespeople and solo professionals from South County to Providence. If your tax returns are written to minimize income, a bank statement loan lets you qualify on the deposits actually flowing through your accounts instead.
We're based on Main Street in Wakefield and we shop bank-statement programs across our lender network to read your Rhode Island business's income the most favorably — 12 or 24 months, personal or business accounts.
Who it’s for
RI small-business owners
Qualify on deposits, not write-off-heavy returns.
Tradespeople & contractors
Strong cash flow that a tax return hides.
1099 professionals
Agents, consultants and gig earners across the state.
Program at a glance
Best for
Self-employed Rhode Island buyers and owners
Income documentation
12–24 months of personal or business bank statements — no tax returns
Markets we know
South County, Providence, Warwick, Newport and statewide
Occupancy
Primary, second home and investment
Property types
Single-family, condos and 2–4 units
Licensed in
Rhode Island (and MA, PA, FL & AL)
Bank statement income estimator
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.
Estimated qualifying income
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.
How working with us works
1
Tell us your scenario
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
2
We shop the right lenders
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
3
Pre-qualify with a plan
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
4
Close with confidence
We manage underwriting to the finish line and hand you off to a smooth closing day.
Common questions
Do you offer bank statement loans across Rhode Island?
Yes — we're a Wakefield-based brokerage licensed statewide, working with self-employed buyers from Westerly to Providence.
How much income will my statements show?
Lenders average qualifying deposits over 12 or 24 months. We'll estimate your number before you apply so there are no surprises.
“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.”
