Bank Statement Loans for Self-Employed Home Buyers in Fresno & Madera County
Qualify using 12 or 24 months of bank deposits. No tax returns required.
Licensed since 2015 · $150M+ closed · Hablamos español
No tax returns
We don't review them at all.
12 or 24 months
Qualify using your bank statement deposits.
Personal or business accounts
Either one works.
As little as 10% down*
With no PMI.
Credit from 660
680+ opens more lender options.
Gift funds allowed
Family can help with your down payment.
Who it's for
Built for business owners
Your write-offs lower your taxable income. That's smart business. But it can make a traditional mortgage hard to get. A bank statement loan looks at what actually hits your account, not what's left after deductions.
How it works
Three steps to your bank statement loan
Book a quick call
We talk about your business, your goals, and what you want your payment to be.
01Send your statements
12 or 24 months, personal or business accounts.
02We shop lenders for you
We compare bank statement lenders to find your best fit, then get you pre-approved.
03Less than 2 years in business?
You may still qualify
Most lenders want 2 years in business. But if you went from a W2 job to your own business in the same line of work, exceptions are available. In some cases, you don't even need a full year. We can use the deposits you have and average them with your previous W2 income.
Think: the stylist who went from salon employee to suite owner, or the driver who bought their own truck.
Down payment options
See your two paths
10% down*
Get into your home sooner, with no PMI.
20% down
Usually unlocks a better interest rate.
We'll run both side by side so you can see the real difference in your monthly payment.
Meet Edgar
A broker who gets self-employed income
Edgar Franco has been helping Central Valley families buy homes since 2015, and self-employed borrowers are his specialty. As a business owner himself, he knows what it's like to have strong income that doesn't show up on paper. Se habla español.
FAQ
Common questions
Your business works. Your mortgage should too.
Book a free 15-minute call and find out what you qualify for.
*Representative example: [LOAN AMOUNT, RATE, APR, TERM, MONTHLY PAYMENT FOR A 10% DOWN SCENARIO]. Edgar Franco, NMLS #1255945. Operating under Nationwide Loans, Inc., NMLS #1799965. [CA LICENSE #]. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Additional restrictions apply.