Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
Frequently Asked Questions What credit score do I need for a bank statement loan in 2025? Most bank statement loan programs start at a minimum
Frequently Asked Questions How do lenders calculate income on a bank statement loan? Lenders total all eligible deposits over 12 or 24 months, divide by
Frequently Asked Questions Should I use 12 or 24 months of bank statements for my mortgage? It depends on your income trajectory. If income has
Frequently Asked Questions What exactly is a bank statement loan? A bank statement loan is a Non-QM mortgage that verifies income using 12 or 24
Frequently Asked Questions What Non-QM loan programs are available for self-employed carpenters? The three primary programs are: bank statement loans (qualify on 12–24 months of
Frequently Asked Questions Can a self-employed carpenter use a cash-out refinance to buy equipment? Yes. There are no restrictions on the use of cash-out refinance
Frequently Asked Questions Why does my tax return show lower income than I actually earned as a carpenter? Your tax return reflects net taxable income
Frequently Asked Questions Can a carpenter working on data center projects get a mortgage despite write-offs? Yes. A bank statement loan uses actual bank deposits
Frequently Asked Questions Why did Jensen Huang say plumbers would benefit from the AI boom? AI data centers require complex liquid cooling systems, industrial piping,
Frequently Asked Questions Can a master plumber with significant write-offs qualify for a mortgage? Yes. A bank statement loan qualifies income from actual bank deposits
