Non-QM · Self-employed
Bank-statement loans for the self-employed.
If you own the business, a tax return can make you look smaller than you are. Bank-statement programs use deposits instead.
Fastest way to start
Talk to us about bank-statement / Non-QM
Self-employed and gig borrowers: start with a call or the online app. Have 12– or 24-month personal and business statements ready when you can.
- Say you want a bank-statement / Non-QM file when you call.
- Programs can go up to about $3 million, depending on the file — not a guarantee.
- Licensed in CT, NY, NJ, MA, PA, FL, SC, NC, and TX.
Forte Financial offers loans in all 9 states we are licensed in. No rate, approval, or timeline guarantees.
Purchasing a home is exciting — and if you are self-employed, run multiple gigs, or write off everything that is legal to write off, a conventional file can stall on paper losses. Forte Financial uses 12- and 24-month personal and business bank statements to show income and ability to repay.
How it works
- Qualify on bank statements instead of (or alongside) tax returns, depending on the program.
- Multiple personal and business accounts can be considered.
- Loan amounts on these programs can go as high as $3 million, subject to credit, assets, and property.
- Available in our licensed states: CT, NY, NJ, MA, PA, FL, SC, NC, and TX.
- Many bank-statement programs do not require monthly mortgage insurance. That depends on the guideline, not a promise on every file.
Who this is for
Business owners, 1099 contractors, people with K-1s, and anyone whose accountant is doing their job well. We also work alternative-documentation files when tax returns show a loss that the bank statements do not.
This is not a guaranteed rate, approval, or timeline. Self-employed and Non-QM loans are underwritten to investor guidelines that change.
Watch how it works: why business bank statements can qualify a self-employed borrower.
Bank-statement loans by state
State-specific notes for the nine states where we are licensed.
- Bank-statement loans in Connecticut
- Bank-statement loans in New York
- Bank-statement loans in New Jersey
- Bank-statement loans in Massachusetts
- Bank-statement loans in Pennsylvania
- Bank-statement loans in Florida
- Bank-statement loans in South Carolina
- Bank-statement loans in North Carolina
- Bank-statement loans in Texas
Get a quote or apply.
Self-employed files are what we do. Send the statements — we will take it from there.