Bank-Statement Loans
For self-employed borrowers — qualify using bank deposits instead of tax returns.
What it is
Bank-statement loans let self-employed borrowers and business owners qualify based on bank deposits rather than tax returns, which often understate true cash flow.
Qualify on deposits
Use 12–24 months of bank statements instead of W-2s or full tax returns.
Built for business owners
Designed for self-employed income that write-offs make hard to document conventionally.
Purchase or refinance
Available for buying a home or refinancing an existing one.
Terms depend on credit, reserves, and deposit history. We'll confirm what you qualify for.
- Self-employed borrowers and business owners
- 1099, gig, and commission earners
- Buyers whose tax returns understate income
- Those who don't fit conventional income documentation
See if it fits your goals
A licensed Trojan advisor will review your scenario and outline a clear next step. No obligation, no impact to your credit.
Ready to see your options?
Get a custom loan review from a licensed Trojan Home Loans advisor. No obligation, no impact to your credit.
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