Bank Statement Loans – Mortgage Solutions for Self-Employed & 1099 Borrowers.

No tax returns? No problem. Qualify for a home loan using 12–24 months of business or personal bank statements. Perfect for entrepreneurs, freelancers, and 1099 earners. 

Traditional mortgages don’t always work for self-employed professionals. If you’re an entrepreneur, freelancer, gig worker, or 1099 earner with strong income but heavy tax write-offs, a Bank Statement Loan could be your key to homeownership.

At Zion Investors Mortgage Lending, we help business owners and independent professionals qualify based on what really matters—your deposits, not your deductions.

A Bank Statement Loan allows you to verify your income using 12 to 24 months of business or personal bank statements instead of tax returns, W-2s, or pay stubs.

We analyze your deposits, calculate your average monthly income, and structure your loan based on your actual cash flow—not what you claim after expenses.

• ✅ Self-employed borrowers (2+ years preferred)
   
• ✅ Freelancers, consultants, and 1099 workers
   
• ✅ Small business owners and entrepreneurs
   
• ✅ Real estate agents, truckers, barbers, beauty pros, etc.
   
• ✅ Borrowers with large tax deductions or fluctuating income

 1️⃣ Provide 12 or 24 months of business or personal bank statements
2️⃣ We calculate your monthly income based on average deposits
3️⃣ Get pre-approved for a home loan—even if you’ve been denied elsewhere 

• ✅ No tax returns, W-2s, or pay stubs needed
   
• ✅ Qualify using 12 or 24 months of bank statements
   
• ✅ Loans up to $3 million or more
   
• ✅ Use personal or business accounts
   
• ✅ Available for purchase, refinance, or cash-out
   
• ✅ Flexible down payment options (as low as 10–15%)

• Buying a primary residence
   
• Purchasing a second home or vacation property
   
• Buying or refinancing an investment property
   
• Cash-out refinance for business growth or personal nee

Can I still qualify if I write off most of my income on taxes?
Yes! We qualify you based on your deposits, not your tax return.

Do I need perfect credit?
No. Many programs accept scores starting at 620–660+.

Can I buy in my business name?
Yes. Bank statement loans can often be closed in an LLC or corporation.

Can I use this for a refinance?
Absolutely. You can use a bank statement loan to refinance or pull cash out.