832-400-5093
What is a Bank Statement Mortgage?Use personal or business bank statements instead of W-2s/returns.Income = average eligible deposits minus an expense factor.Primaries & second homes; some programs allow investment. Key GuidelinesStatements: 12–24 monthsDown payment: typically 10–20%Credit: many programs from 660+Reserves: 3–12 months PITIA (varies)Docs: ID, assets, housing history; no tax returns
Qualify with 12–24 months of deposits—no tax returns. We’ll do the math and guide you end-to-end.
Upload 12–24 months of personal or business bank statements—PDFs or secure bank link.
We exclude transfers & one-offs, then apply an expense factor (or CPA letter) to get usable income.
We calculate qualifying income and show programs, estimated payments, and reserve requirements.
Get a same-day pre-qualification in many cases, plus a short checklist to finish full approval.
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