Self-Employed & Bank Statement Mortgage Loans
Qualify Using Bank Statements Instead of Tax Returns
- Loan Amounts $200K to $5 Million
- Higher Loan- to-Values Up to 90% LTV
- Primary Residences, 2nd Homes, Investment Properties
- 30 Year Fixed & Adjustable Rate – Interest-Only Options
- Competitive rates – Lower Closing Costs
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Why Mortgage Pros
Mortgage Pros is an award winning mortgage company committed to excellent strategies and an extraordinary mortgage experience. Mortgage lending is all we do, all day, every day! We’re here to help you in every way!
Call today for a free consultation – (512) 694-6847
Mortgages Designed for Self-Employed Borrowers
Congratulations on being one of 15 million self-employed Americans who enjoy the many perks of owning your own business. If you’re like most business owners, entrepreneurs, freelancers, and 1099 individuals, you maximize your business expenses and deductions with every tax return. Totally reasonable, but what happens when your taxable net income is too low to qualify for a mortgage? No worries!
Call Mortgage Pros at (512) 694-6847
Mortgage Pros offers portfolio loan options to complement our self-employed borrowers’ financial goals with cash flow qualifying and flexible alternative no-income document qualifying loan options.
- Texas, Colorado and Florida Go to Experts!
- Loan Amounts $200K to $5 Million
- Higher Loan- to-Values Up to 90% LTV
- Primary Residences, 2nd Homes, Investment Properties
- Purchase, Rate & Term Refinance, & Cash Out Refinance
- Personal or Business Bank Statements – Cash Flow Qualify
- No Income Documents, No Tax Returns, K1S
- Stated income & Asset Qualifier Only Loans
- 30 Year Fixed & Adjustable Rate – Interest-Only Options
- Higher Debt to Income Ratios & Lower Credit Scores
- Competitive rates – Lower Closing Costs
Bank Statement Loans
Our Bank Statement mortgage loan is ideal for self-employed borrowers who need an alternative method to show the true cash flow of their business. Our new and improved bank statement loans maximize income with the use of business and/or personal bank statements. We count your business deposits as income in lieu of tax returns and do not care about your actual business write-offs.
- These programs are flexible in qualifying up to 90% LTV with no PMI.
- Conforming and Jumbo loans $200K to $5 Million.
- Purchase, Refinance, and Cash Out.
- Primary Residence, 2nd Homes, Investment Properties
- One-Two Years Self Employment Required – Assets Verified
Call Mortgage Pros at (512) 694-6847
Mortgage Pros is your Go-To Mortgage Expert! We pre-qualify & pre-approve all documents up front to deliver the best loan and ensure final approval.
- Loan Amounts $200K to $5 Million
- 10% Down Payment with no PMI
- Qualify with Business or Personal Bank Statements with a low expense factor – All business write-offs okay!
- Business bank statements- up to 85% deposits for income
- Personal Bank Statements – up to 100% deposits for income
- No tax returns, K1s,
- Own less than 100% of Business Okay
- 30 Year Fixed & Adjustable Rate – Interest Only Loan Options
- Higher Debt to Income Ratios – Less than Perfect Credit Ok
About Mindy
Broker & CEO of Mortgage Pros.
Loan Consultant
6500 River Place Blvd Suite 250 Bldg 7
Austin, Texas 78730
Cell: (512) 694-6847
Office: (512) 346-7767
[email protected]
NMLS: #283087
Mortgage Pros Inc. NMLS: #283288
Professionalism, quality and reliability coupled with a personal touch serve as the cornerstone of my business. With over 30 years of comprehensive mortgage experience in processing, underwriting and originating, my experience, expertise, and in my clients words, “brilliant creativity” set me apart from my contemporaries. I really do love what I do and I am so grateful to my partners in the community, my amazing Mortgage Pros team, and my friends and family who trust and support me in being the best I can be in my career and my life.
I serve as CEO and Founder of Mortgage Pros, Co founder of Women of Hope for Austin Children’s Shelter, Founding Mom for KHOPE, member of Women of Trust for Dell Children’s, happily support many other charities, my community, and the communities I serve.
Testimonials
We will recommend Mortgage Pros and Mindy Bakker to everyone we know. Very professional and knowledgeable and super friendly and responsive. Customers for life!
Mindy Bakker was simply the best. She is so great at what she does and the best loan officer we have ever worked with. She made it happen when three other mortgage companies could not! Mindy had the experience, expertise and confidence to present our super jumbo file for approval and saved us so much money with a better rate and less closing costs. We are so grateful and will recommend Mindy at every opportunity!
It was a real pleasure doing business with Mortgage Pros. Mindy and her team did a great job for us and we will always recommend them to our friends and family. Superior customer service and the best rates!
Frequently Asked Questions
What is a self-employed mortgage loan?
A self-employed mortgage loan is designed for business owners, freelancers, entrepreneurs, and 1099 earners who may not qualify using traditional tax return income. Instead of W2s, lenders can use bank statements, assets, or cash flow to qualify.
What income documents can I use to qualify?
We offer flexible income options using alternative documentation, including:
- 12 or 24 months of bank statements
- Profit & Loss (P&L) statements
- 1099 income
- Employment verification letters
- Business cash flow documentation
- Alternative income verification
No W2s or traditional tax returns may be required.
What is a bank statement loan?
A bank statement loan allows self-employed borrowers to qualify using 24 months of personal or business bank statements instead of tax returns. Deposits are used to calculate income and business write-offs generally do not reduce qualifying income.
What is the minimum credit score required?
Qualified borrowers may be eligible with credit scores as low as 660, depending on the loan program and overall financial profile.
Do I need tax returns to qualify?
No. Many self-employed mortgage programs do not require tax returns, W2s, or K1s. Mortgage Pros offers programs using bank statements, assets, or alternative income documentation.