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Flexible financing for independent earners

Turn Your 24 Months Bank Statements Into Mortgage Opportunity

24 Months Bank Statement Loans provide eligible self-employed borrowers, business owners, and freelancers with an extended Non-QM financing option that averages two full years of cash flow to establish strong, reliable qualifying income.

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Discover 24 Months Bank Statement Loans

A 24 Months Bank Statement Loan is a comprehensive Non-QM mortgage option designed for self-employed professionals whose business revenue fluctuates seasonally or year-over-year. By evaluating 24 consecutive months of personal or business bank deposits, we can smooth out cyclical income variations to help you secure a larger qualifying loan amount.

Key Benefits Of 24 Months Bank statement

  • Designed for eligible business owners and 1099 professionals in Texas
  • Alternative documentation accepted to bypass traditional tax return deductions
  • Flexible Non-QM guidelines tailored for stable, long-term self-employed earners
  • Options for eligible primary homes, secondary residences, and investment properties
  • Smoothed income qualification using a full two-year deposit history
A 24 Months Bank Statement Loan is a Non-QM mortgage option designed for eligible borrowers who use 2 consecutive years (24 months) of personal or business bank deposits to calculate qualifying income rather than standard tax returns. Qualification and documentation requirements vary by program.
Self-employed individuals, business owners, contractors, and entrepreneurs whose businesses experience seasonal income fluctuations or who write off significant expenses on their tax returns can benefit from a full 24-month lookback period.
Income is calculated by averaging 24 consecutive months of bank deposits. Depending on whether you use personal or business bank accounts, an applicable expense factor or CPA letter is used to determine your final monthly qualifying income.
Reviewing 24 months provides a broader, more stable view of a business's long-term financial health, which can often result in a higher average monthly income calculation if your business had a slower previous year or seasonal dips.
Yes, these specialized Non-QM programs can be used for purchasing or refinancing primary residences, secondary homes, and investment properties throughout Texas.

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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