A mortgage for the self-employed.
Perfect for self-employed borrowers that have issues proving income with full documentation. We can qualify with bank statements or P&L and use asset allowance to get you into a home. Multiple income calculation methods help you maximize qualifying income.
Qualify with bank statements
With multiple income calculation methods, OptionOne helps self-employed borrowers maximize business earnings to qualify for our industry-leading bank statement program. Own multiple businesses? No problem. We can even include a spouse's W2 income if needed — no tax returns required.
No Tax Returns Required
Qualify using bank statements instead of W-2s or tax returns.
Loan Amounts Up to $3,500,000
Substantial financing power for primary residences, second homes, and 1–4 unit investments.
Include Spouse's W2 Income
Combine business income with spouse's W2 earnings — no tax returns needed for either of you.
Frequently asked questions.
Bank statement loans use 12–24 months of personal or business bank statements to calculate qualifying income. Instead of tax returns, lenders average your monthly deposits to determine your income. This is ideal for self-employed borrowers who write off significant business expenses.
Both programs require a minimum FICO score of 660. Higher credit scores may qualify for better rates and terms.
Absolutely. Our Bank Statement programs cover primary residences, second homes, and 1–4 unit investment properties. Whether it's a beachfront retreat or a mountain cabin, you can qualify without tax returns.
Yes. We can include a spouse's W2 income alongside your self-employed income — no tax returns required for either of you.
No problem. We can combine income from multiple businesses using bank statements or P&L statements from each entity.
Ready to qualify without tax returns?
Soft credit pull only. Talk to a self-employed specialist today.