Bank Statement Loans Designed for the Self-Employed
We understand that traditional income documentation doesn’t always reflect the financial reality of self-employed professionals. Our Bank Statement Loans use your personal or business bank statements—rather than tax returns—to verify income, making the process more aligned with your actual earning potential.
No Tax Returns, No Problem
Forget about the stress of gathering years of W-2s or filing unnecessary paperwork. With this flexible loan solution, qualifying is simplified and tailored to entrepreneurs, freelancers, independent contractors, and gig workers who deserve recognition for their true income.
Flexible Qualification Standards
Bank Statement Loans offer more flexibility than conventional loans, allowing for higher debt-to-income ratios and credit score leniency. If your bank deposits tell a stronger story than your filed income, this program ensures you still get the mortgage options you deserve.
Benefits of Bank Statement Loans
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Ideal for self-employed individuals, freelancers, and small business owners
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No tax returns or W-2s required—just 12–24 months of bank statements
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Higher flexibility in debt-to-income ratios and credit scores
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Can be used for both home purchases and refinancing
Loan Options That Fit Your Goals
Whether you’re purchasing a new home or refinancing your existing property, our Bank Statement Loan program offers competitive rates and multiple term options. You can borrow with confidence, knowing your loan is designed around your cash flow, not your paperwork.
Why Choose Home Haven Lending
At Home Haven Lending, we believe that every borrower deserves personalized, transparent, and expert guidance throughout their home financing journey. We go beyond one-size-fits-all solutions—offering a full suite of loan programs including FHA, VA, Conventional, DSCR, Bank Statement, Home Equity, Non-QM, and No Income Verification Loans tailored to your financial goals.
We are known for
"FAQs"
The right loan depends on your financial goals, credit profile, and income documentation. For example, FHA loans are great for first-time buyers, VA loans are exclusive to veterans, and DSCR or Bank Statement loans work well for self-employed borrowers. Our experts at Home Haven Lending will guide you based on your unique situation.
Yes! We offer Bank Statement Loans and No Income Verification Loans that are specifically designed for self-employed individuals or business owners who may not have traditional proof of income but can demonstrate strong financial stability.
Absolutely. FHA and VA loans often come with low or no down payment requirements. Depending on your eligibility, we’ll help you find the most affordable financing solution available.
Non-QM (Non-Qualified Mortgage) loans are for borrowers who don’t meet conventional lending guidelines. These are ideal for those with irregular income, recent credit events, or unique investment goals. If traditional banks have turned you down, this could be your solution.
The timeline varies by loan program, but most of our clients close within 2 to 4 weeks. No Income Verification and Bank Statement loans often process faster because of reduced documentation requirements.
Florida-Focused Lending with Personalized Service
At Home Haven Lending, we specialize in helping Florida residents achieve homeownership through custom lending solutions. Our team walks you through every step, offering expert guidance and personal service, so you can feel empowered on your financial journey.
