Bank statement mortgages / Self-employed
You built the business.
Make your next move.
Your tax return may not tell the whole story. Explore a mortgage review that can consider your business cash flow.
Initial screening only. No credit pull. No document upload.
Jesse Yarpezeshkan · NMLS #2803904
A fuller financial picture
More than a
tax-return snapshot.
A bank statement mortgage may use personal or business deposits to evaluate qualifying income. It's a different documentation path—not a shortcut around underwriting. California self-employed homeowners can use the deposit-review worksheet, compare 12- versus 24-month statements, plan a purchase with the cash-planning guide, or review home-equity options for self-employed owners.
Documentation, verification, and complete underwriting still apply. Not a commitment to lend.
Explore documentation paths
Personal bank statements
Recurring personal deposits may help establish potential qualifying cash flow.
Subject to program guidelines and full file review.Start with a conversation, not a stack of paperwork
Could this work
for your situation?
Share a few basics. Jesse reviews your initial profile and helps identify which documentation path may be worth exploring. Business owners comparing a dedicated review can start on the business-owner loan page.
General initial guidelines, not a guarantee of qualification. Programs are available only where the company and loan originator are authorized. See state availability in the FAQs.
The Equity Edge approach
A person. A plan.
A clearer next step.
- 01
One point of contact.
Jesse reviews your goals and initial profile. You have a dedicated licensed loan officer for the conversation.
- 02
A path for your paperwork.
Explore bank statements, a qualifying P&L, or eligible assets, depending on the program and your full file.
- 03
Actual terms before a decision.
If you continue, complete secure verification and underwriting, then review verified options before deciding.
Keep sensitive documents out of this screening form. Bank statements, tax returns, and IDs belong in the secure lender workflow if you continue.
Equity Edge Answer Desk
A question before your next move?
Ask about bank-statement review, then request a preferred time with Jesse for a licensed review.
Straight answers
Questions, answered.
Eligibility, states & next steps 7 more questions
Your business. Your next chapter.
Let's see what may fit.
Start with the basics. No credit pull for the initial screening.
Further reading / External coverage
Educational coverage—not an endorsement, approval, rate quote, underwriting decision, customer testimonial, or commitment to lend.
Jesse Yarpezeshkan — NMLS #2803904. Equal Housing Opportunity.
Not a commitment to lend. Terms and programs subject to change. Contact for details. All loans are subject to borrower, credit, income or asset, property, appraisal, and underwriting approval. Terms, programs, rates, and availability are subject to change without notice.
Loan amounts up to $5,000,000 are available only for qualified borrowers and eligible loan scenarios. Tax returns may not be required under certain alternative-documentation programs; other documentation and verification may be required. A credit score of 640 or higher and approximately 25% estimated equity are general initial guidelines and do not guarantee qualification.
No credit pull or document upload is required for the initial online screening only. Programs are available only where the company and applicable loan originator are authorized to conduct business.