Bank Statement Mortgage Loan
The Smart lending Solution for High-Earning, Self-Made Borrowers
What is a Bank Statement Mortgage Loan?
A Bank Statement Mortgage Loan is a type of Non-QM (Non-Qualified Mortgage) loan that allows borrowers to qualify based on the income reflected in their bank deposits, not their tax returns.
Rather than asking for W-2s or full tax documentation, we analyze:
- 12 to 24 months of personal or business bank statements
- Deposit trends and cash flow consistency
- Your ability to repay based on real-world income
This program is designed for borrowers with strong cash flow who may not show high net income on paper due to business write-offs, asset strategies, or alternative income structures.
At Mbanc, we take a more intelligent, comprehensive view of your financial profile—because we understand that how you earn doesn’t define your ability to qualify.
Who is it For?
- Self-Employed Business Owners
Whether you run an agency, a consulting firm, a law practice, or a logistics company—if you earn through your own enterprise, we structure the loan around your income reality, not someone else’s formula. - 1099 Independent Contractors
Realtors, sales professionals, consultants, designers, or anyone earning variable commissions or project-based income. If the deposits are there, you can qualify. - Real Estate Investors
If you own multiple properties and use sophisticated tax strategies, this program allows you to qualify based on rental income flowing into your bank accounts—no complex tax returns required. - High-Net-Worth Individuals
If you live off dividends, distributions, capital gains, or asset sales, and prefer to keep your taxes optimized, this program uses deposits and liquidity to reflect your strength—not penalize it.
Why Use a Bank Statement Loan?
Because it works for how you actually earn and manage your wealth.
Traditional mortgage underwriting is broken for modern borrowers. It penalizes success that doesn’t come in the form of a bi-weekly paycheck. At Mbanc, we built our platform around lending to people who are building their lives, careers, and portfolios on their own terms.
With a Bank Statement Loan, you can:
- Purchase a primary home, second home, or investment property
- Refinance to access equity or secure a better rate
- Qualify without W-2s, pay stubs, or tax returns
- Get approved quickly and close in as little as 21 days
Most importantly—you can finally get a mortgage that matches your financial lifestyle.
How Does the Mbanc Process Work?
We begin with a brief discovery call to understand your income streams, property goals, and bank account structures. Then we review your bank statements—either personal or business—and match you with the right loan product.
No unnecessary documents. No bank delays. No outdated approval models.
Your Mbanc advisor walks you through every step with speed, clarity, and total discretion.
Why Choose Mbanc?
- We specialize in Non-QM lending—this isn’t a side offering; it’s the core of what we do.
- We move fast—with pre-approvals in 24 to 48 hours and closings often within 21 days.
- We understand complexity—and we underwrite accordingly.
- We don’t punish success—we finance it.
If you’re done explaining your income to people who don’t understand it, and you’re ready for a mortgage partner who does, it’s time to speak with Mbanc.
Ready to Qualify on Your Terms?
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