Bank Statement Loans

Bank Statement Mortgage Loans for Self-Employed Borrowers

Are you self-employed, a business owner, freelancer, independent contractor, or commission-based professional? A Bank Statement Loan allows you to qualify for a mortgage using your personal or business bank statements instead of traditional tax returns.

At Nations Trust Mortgage, we understand that tax returns often do not reflect your true earning potential. That’s why our Non-QM Bank Statement Loan program is designed to help entrepreneurs and self-employed borrowers qualify based on their actual cash flow.

Why Choose Our Bank Statement Loans

• No Tax Returns Required
• Qualify Using 12 or 24 Months of Bank Statements
• Personal or Business Bank Statements Accepted
• Ideal for Self-Employed Borrowers
• No W-2s or Pay Stubs Required
• Available for Purchase, Rate & Term Refinance, and Cash-Out Refinance
• Loan Amounts Up to $5 Million
• Primary Residence, Second Homes & Investment Properties
• Flexible Credit Guidelines
• First time home buyers are welcome 
• Competitive Interest Rates
• Fast Approvals and Closings

Eligible Property Types

Our Bank Statement loan program is available for a variety of primary and investment properties, including:

• Single-Family Residences (SFR)
• Townhomes
• Warrantable and eligible Non-Warrantable Condominiums
• Condo-Hotel 
• 2–4 Unit Residential Properties
• 5-8 Unit Multifamily  Properties
• Planned Unit Developments (PUDs)
• Long-Term Rental Properties
• Eligible Short-Term Rental Properties (Airbnb & Vacation Rentals)

Who Can Benefit?

Our Bank Statement Mortgage program is ideal for:

• Business owners
• Self-employed professionals
• Real estate investors
• Consultants
• Realtors
• Doctors 
• Attorneys
• Independent Contractors
• Freelancers
• Commission-based  borrowers

If your taxable income is reduced by business deductions, depreciation, or write-offs, a Bank Statement Loan may allow you to qualify for a significantly larger mortgage than a conventional loan.

How Bank Statement Loans Work

Instead of reviewing tax returns, lenders analyze your bank deposits to determine your qualifying income. 

Depending on your business structure, we may use:

• 12 Months of Personal Bank Statements
• 24 Months of Personal Bank Statements
• 12 Months of Business Bank Statements
• 24 Months of Business Bank Statements

This allows many self-employed borrowers to qualify for substantially more financing than with conventional mortgage programs.

This financing solution is part of the growing Non-QM (Non-Qualified Mortgage) market, providing flexible underwriting for borrowers with strong financial profiles who don’t fit conventional lending guidelines.

Benefits of Choosing Nations Trust Mortgage

At Nations Trust Mortgage, we specialize in Non-QM financing and understand the unique needs of self-employed borrowers. Our experienced mortgage professionals work with multiple wholesale lenders to find competitive solutions tailored to your financial situation.

Whether you’re purchasing your dream home, refinancing your current mortgage, or accessing your home’s equity, we’ll help you secure financing with a smooth and efficient process.

When you work with us, you’ll receive:

• Expert guidance from experienced Non-QM specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is to help you get approved quickly with the financing solution that best fits your financial profile.