Self-Employed Loans — when tax returns don't tell the whole story
When your tax return understates what you earn, bank statements speak instead.
Small-business owners write off many legitimate expenses, which lowers taxable income — great for taxes, hard for traditional lending.
A bank statement loan qualifies on the money actually landing in your bank account over 12–24 months, instead of the number on your tax return.
Who it's for
- Nail salon, restaurant, grocery and small-business owners
- 1099 contractors or heavily cash-based earners
- People with strong income but low reported tax returns
- Newer business owners without two full years of returns
Key points
- Uses 12–24 months of bank statements instead of tax returns
- No W-2 required
- Qualifies on real deposits into your account
- Works for primary and investment properties
- Usually needs a larger down payment and decent credit
Terms depend on your cash flow, credit score and property type.
How working with me goes
Four clear steps. You always know where you stand and what happens next.
1. We talk
We discuss your goals, your income and what you have saved. No commitment and no credit check.
2. I review your file
I look at your real numbers and tell you which loan types you qualify for, with actual figures — not ballparks.
3. Pre-approval letter
You get a pre-approval letter so you can shop and make offers with confidence.
4. We close
I stay on it through closing day and walk you through every page you sign.
Ready to get started?
It takes a few minutes. No credit check to explore your options, and you get straight answers — in English or Vietnamese.
Exploring your options does NOT affect your credit score.