Many self-employed borrowers are denied by traditional lenders because their tax filings show lower income after deductions. We take a more accurate approach by reviewing 12 to 24 months of personal or business bank statements to evaluate your true income. This gives us a clearer picture of what you actually earn, not just what’s reported to the IRS.

Bank Statement Loans offer the flexibility to qualify without needing to amend your tax returns or restructure your finances. If you run a business, own rental properties, or earn commissions, this program is designed with your lifestyle in mind. You’ll get fair access to homeownership or investment opportunities based on your real cash flow—not outdated lending rules.

Whether you’re looking to purchase a new home or refinance an existing mortgage, a Bank Statement Loan can provide you with the financing you need, on your terms. This type of loan is ideal for entrepreneurs, real estate agents, consultants, and gig economy workers who may not fit into the conventional income box.

These loans also provide options for both primary residences and investment properties. That means you can use your bank statement income to buy a house for your family or expand your real estate portfolio. You’re not limited by employment structure or traditional income documentation—only by your actual ability to pay.

Our team works closely with you to review your deposits, expenses, and financial goals. We’ll help you gather the necessary documentation, guide you through every step of the process, and ensure you fully understand the terms and expectations. We pride ourselves on making the process clear, supportive, and built around your reality.

Most Bank Statement Loans require a moderate down payment, typically starting around 10% to 20%. However, these funds can often be sourced from business accounts or savings. We’ll work with you to structure a deal that makes sense and sets you up for long-term success, not just short-term approval.

Credit score requirements are typically more flexible than with conventional loans, but good credit can still help you secure better terms. Even if you’ve been turned down before, our non-traditional underwriting process could open the door to approval. If you’re earning consistent income through deposits, you may be closer to qualifying than you think.

If you’re ready to move forward without the roadblocks of traditional income verification, a Bank Statement Loan from Borrow with Betty could be the solution. Let us help you turn your deposits into keys—with financing that fits your real life, not just the numbers on paper.