How many months of statements do you need?

It varies by program — typically somewhere between twelve and twenty-four months. We will tell you which program fits before asking you to gather anything.

Does this work for a purchase and a refinance?

Both, and for investment properties as well as primary residences.

Is this a subprime loan?

No. It is a documentation method, not a credit category. Plenty of bank statement borrowers have excellent credit — their income simply doesn't present well on a 1040.

Bank Statement & Self-Employed

Your tax return is not your income. We know that.

Self-employed borrowers write off aggressively, which is good business and terrible for a traditional mortgage application. Bank statement loans qualify you on actual deposits rather than adjusted gross income.

See if I qualify Call 708-888-1518

Calm home office with a pale oak desk by a window in soft morning light

Who this is for

Business owners, contractors, and freelancers
Anyone whose tax return understates what they genuinely earn
Borrowers who have been declined by a bank's automated system despite strong cash flow

Deposits, not deductions
We qualify from bank statements. Your write-offs stop working against you.
No tax returns required
For most bank statement programs, tax returns are not part of the file at all.
Personal or business accounts
Both can work. Which one produces the better result depends on how your money moves.
Someone actually reads it
Marcus from Naperville got the runaround from big banks for exactly this reason. Sam read the statements himself.

Common questions

The things people
actually ask.

How many months of statements do you need?: It varies by program — typically somewhere between twelve and twenty-four months. We will tell you which program fits before asking you to gather anything.
Does this work for a purchase and a refinance?: Both, and for investment properties as well as primary residences.
Is this a subprime loan?: No. It is a documentation method, not a credit category. Plenty of bank statement borrowers have excellent credit — their income simply doesn't present well on a 1040.

Ask about Bank statement

Two quick questions to start. A licensed loan officer calls you back — usually within minutes.

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Equal Housing
Lender
NMLS #1660690Sam Ahmed #221307
Licensed in 27 statesPowered by NEXA Mortgage, LLC

From people in the same position

“I've closed four investment properties with Homeland now. Their expertise in creative financing is why I keep coming back. They understand the numbers as well as I do.”
Kevin W.Chicago, IL
“I was looking for a loan that would allow some creative financing on an investment property. Homeland secured what I needed and saved the day!”
Jason P.Des Moines, IA
“The big banks kept giving me the runaround because I'm self-employed. Sam actually sat down, looked at my bank statements, and found a path to a DSCR loan that made sense for my portfolio.”
Marcus T.Naperville, IL