EST. 2024 — MODERN LENDING
Bank Statement Loans
Ideal for self-employed individuals, this program uses 12 to 24 months of personal or business bank statements to verify income, bypassing the need for W-2s.
Is this loan right for you?
If your income doesn’t fit neatly into a W-2 box, but your cash flow is strong, this loan may be the right fit. Bank statement loans are designed for business owners and self-employed professionals whose real income is best reflected in deposits—not tax returns.
Benefits of this loan
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Qualify using 12–24 months of bank statements
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No tax returns required
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Works with variable, seasonal, or write-off-heavy income
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Allows you to show the true strength of your business
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Keeps growth strategies intact without sacrificing borrowing power
Typical loan eligibility requirements
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Consistent bank deposits over the required period
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Self-employed or business ownership history required
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Credit score minimums apply
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Loan amounts and terms vary by program
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Find Your Perfect Mortgage
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible! We specialize with non-traditional buyers, investors, and entrepreneurs.
INVESTOR FOCUS
01
DSCR
Designed for real estate investors, this program qualifies borrowers based on the rental income generated by the property rather than personal tax returns or employment history.
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NO TAX RETURNS
02
Bank Statement Loans
Ideal for self-employed individuals, this program uses 12 to 24 months of personal or business bank statements to verify income, bypassing the need for W-2s.
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BUSINESS OWNER
03
Self-Employed / Entrepreneur Loans
Flexible financing solutions tailored specifically for business owners, independent contractors, and freelancers whose unique financial structures require alternative income verification.
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NON-TRADITIONAL
04
Non-QM
A versatile alternative lending solution for borrowers with unique financial situations, allowing for flexible qualification guidelines outside of standard conforming rules.
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POPULAR CHOICE
05
Conventional
The most common traditional mortgage option, offering competitive rates and flexible terms for borrowers with stable income and strong credit scores.
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FIRST-TIME BUYER
06
FHA
A government-backed loan designed to make homeownership accessible, featuring lower down payment requirements and more flexible credit guidelines for buyers.
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VETERAN BENEFIT
07
VA
An exclusive, zero-down-payment mortgage benefit provided by the government to honor and support active-duty service members, veterans, and eligible surviving spouses.
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PREMIUM
08
Jumbo
Specialized financing designed for luxury homes or high-value properties that exceed the standard conforming loan limits established by Fannie Mae and Freddie Mac.
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FIXER UPPER
09
Renovation
A convenient all-in-one loan that combines the purchase price or refinancing of a home with the funding needed to cover upgrades, repairs, or major remodeling projects.
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RURAL LIVING
10
USDA
A government-backed, zero-down-payment mortgage program designed to help low-to-moderate-income buyers purchase homes in designated rural and suburban communities.
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