Bank Statement Mortgage Loans for Self-Employed Borrowers

Qualify using deposits and cash flow — not what your tax returns show. If you're self-employed with heavy write-offs, we can work with you.

Louisiana statewide

7+ years in business

Over 500 Happy Clients

Check Eligibility Book 15-Min Call

Text Me Call Now

• Quick answers by text • If I miss your call, I'll call back • No pressure • No obligation

Why Borrowers Work With Me

I’m a business owner too. I know how depreciation, deductions, and smart tax planning can make strong earners look “unqualified” on paper. I focus on Non-QM options that look at your real financial life — not just a tax form.

What Happens Next

A quick, straightforward process designed to give you clear answers fast.

Quick Call (10–15 min)

We discuss your situation, answer questions, and explore options.

Review Deposits + Checklist

You gather 12-24 months of bank statements; we outline next steps.

Clear Options + Next Steps

You get honest feedback on what works and timeline from us.

Who This Works For

Self-employed borrowers with heavy write-offs (Schedule C, S-corp, LLC)
1099 contractors and freelancers with variable income
Small business owners with mixed personal/business income
Borrowers denied by traditional banks due to tax return income
Real estate investors looking for flexible Non-QM options

Real Clients. Real Results.

Here's what borrowers say about working with us:

"Others turned us down. Erica knew exactly who to call and got us across the finish line."

S.Ca. Tough Scenario

"Transparent from start to finish. She answered every question clearly and got me the best rate possible."

S.Ch. Refinance

"Knowledgeable, responsive, and stress-free. Everything closed on time."

H.J. Purchase

"She went above and beyond. Got us the best possible financing with quick responses the whole way."

J.T. Purchase

"Painless process with clear explanations. I've refinanced twice and will again."

H.M. Refinance

"Super responsive with clear instructions. Everything was convenient and online."

A.D. Purchase

Testimonials are from real clients; results vary.

Common Questions About Bank Statement Loans

Will you pull my credit?

Not for an initial fit assessment. We can give you honest feedback without a credit pull. A full credit pull happens only if you decide to move forward.

How many months of bank statements do you need?

Typically, 12–24 months depending on the program. The more consistent your deposits, the faster the process.

Can I use both personal and business bank statements?

Yes. Bank statement loans look at deposits into your personal account and, if applicable, business accounts. We use whatever shows your true cash flow.

What about cash deposits — do they count?

Cash deposits in your bank account count toward qualifying income. We look at what you deposit and how consistently it appears.

What credit score do I need?

Most bank statement loans prefer a score of 620+, but it's case-by-case. Let's talk. We may have options even if your score is slightly lower.

How fast can this close?

With clean documentation, many closings happen in 30–45 days. Some move faster. We'll give you a realistic timeline after our initial call.

Do you only serve Louisiana?

We serve Louisiana statewide. This is our focus market where we have deep expertise and relationships.

If a bank already told you no — that’s not the end.

A bank statement loan may give you options that traditional underwriting can’t.

See If You Qualify Book a Call

Self-employed professional reviewing finances