Self-Employed? Your Tax Returns Don't Have to Tell Your Whole Financial Story.

You built your business. Let us help you finance your home.

Being self-employed shouldn't make homeownership more difficult. At Nautilus Lending, we specialize in bank statement mortgage programs designed for business owners, entrepreneurs, independent contractors, and self-employed professionals whose tax returns may not accurately reflect their available cash flow.

Traditional mortgage underwriting often relies heavily on taxable income after business deductions. Bank statement loans provide an alternative way to evaluate qualifying income using eligible deposits from personal or business bank accounts.

after business deductions. Bank statement loans provide an alternative way to evaluate qualifying income using eligible deposits from personal or business bank accounts.

What Is a Bank Statement Mortgage Loan?

A bank statement loan is a non-qualified mortgage (Non-QM) program that allows eligible borrowers to demonstrate income through bank deposits rather than relying exclusively on W-2s, pay stubs, or traditional tax-return calculations.

Depending on the loan program, lenders typically review 12 to 24 months of bank statements to establish qualifying income. Business-account deposits may be adjusted for applicable business expenses.

Benefits of Bank Statement Financing

• Alternative income documentation: Qualify using eligible bank deposits instead of traditional tax-return income calculations.

• Designed for self-employed borrowers: Ideal for entrepreneurs, business owners, freelancers, and independent contractors.

• Flexible financing solutions: Purchase and refinance options with program-dependent down payments.

• Competitive program options: Access to multiple investors and underwriting guidelines.

• Expanded borrower eligibility: Certain programs may allow first-time homebuyers, eligible gift funds, non-occupant co-borrowers, or qualifying business assets.

• Who Can Benefit From a Bank Statement Loan?

  Bank statement mortgage programs may be an excellent solution for:

  • Small-business owners and entrepreneurs

  • Independent contractors and 1099 professionals

  • Real estate investors and commission-based professionals

  • Consultants and freelancers

  • Borrowers with substantial legitimate business deductions

  Why Choose Nautilus Lending?

  As both a mortgage lender and broker, Nautilus Lending can evaluate multiple financing solutions rather than limiting your options to one traditional bank's lending criteria.

  Our team understands the financial complexity of self-employment and works to identify loan programs that recognize your documented cash flow, credit profile, available assets, and long-term financial objectives.

  Your business isn't conventional. Your mortgage doesn't have to be.

  Ready to explore your options?

  Contact Nautilus Lending for a personalized bank statement mortgage consultation.

  Frequently Asked Questions

  Can I buy a home without providing tax returns?

  Yes. Certain bank statement mortgage programs allow eligible self-employed borrowers to qualify using bank statements instead of traditional tax-return income documentation. Additional financial documents may still be required.

  How many months of bank statements do I need?

  Many programs require 12 or 24 months of eligible bank statements, although documentation requirements vary.

  Can I use my business bank statements?

  Yes. Many programs accept qualifying business bank statements, subject to underwriting guidelines and applicable expense calculations.

  What credit score do I need for a bank statement mortgage?

  Some programs may permit credit scores starting around 660, but minimum scores depend on the lender, loan amount, down payment, and other qualifying factors.

  Can first-time homebuyers qualify?

  Yes. Certain bank statement programs permit first-time homebuyers, subject to program eligibility requirements.