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Flexible financing for self-employed borrowers

Let Your Bank Statements Tell Your Financial Story

Bank Statement Loans provide eligible self-employed borrowers with a Non-QM financing option that may use personal or business bank statements to document income instead of relying solely on traditional tax returns.

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Discover Bank Statement Loans

At Nexa Lending, we offer Bank Statement Loan solutions for eligible business owners, entrepreneurs, and self-employed borrowers. Depending on the program, qualifying income may be calculated from documented bank deposits, providing an alternative approach for borrowers whose tax returns may not fully reflect their cash flow.

Key Benefits of Bank Statement Loans

Bank Statement Loans can provide eligible self-employed borrowers with greater flexibility when traditional income documentation may not accurately represent their financial situation.

  • Use eligible bank statements for income documentation
  • Alternative to traditional tax-return qualification
  • Designed for eligible self-employed borrowers
  • Flexible solutions for unique income profiles
  • Options for eligible home and investment properties
A Bank Statement Loan is a Non-QM mortgage that may use documented deposits from personal or business bank accounts to help determine qualifying income instead of relying solely on traditional tax returns.
These loans may benefit eligible self-employed borrowers, business owners, entrepreneurs, and independent professionals whose income may be better represented by their bank account activity.
The required statement period varies by loan program and lender guidelines. Eligible borrowers may need to provide a specified number of consecutive personal or business bank statements.
Yes, certain programs may allow eligible borrowers to use business bank statements for income qualification. Additional documentation may be required to verify ownership and eligible business expenses.
Certain Non-QM programs may allow eligible borrowers to use Bank Statement financing for investment properties. Property type, loan purpose, income, credit, and other requirements will determine eligibility.

EXPLORE YOUR NON-QM FINANCING OPTIONS

Nexa Lending offers a broad range of Non-QM mortgage solutions designed for borrowers whose financial circumstances may require an alternative approach. Joel R. Suurmeyer helps clients throughout Texas explore available programs based on their income, assets, property, credit profile, and financing objectives.

  • Non-QM Financing
  • Non-Warrantable Condo Loans
  • Investment Property Non-QM Loans
  • Bank Statement Loans
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At Nexa Lending, we understand that every real estate investment comes with unique financing considerations. By working with Joel Suurmeyer, you can review your property details, financial profile, and financing goals to explore Non-QM loan options that may fit your needs. Our team is committed to providing personalized guidance and a smooth mortgage experience, helping you make informed financing decisions with confidence.

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Licensing Details: NMLS ID : 820017 | Company NMLS# 1660690

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