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Flexible financing for independent earners

Turn Your 12 Months Bank Statements Into Mortgage Opportunity

12 Months Bank Statement Loans provide eligible self-employed borrowers, business owners, and freelancers with a Non-QM financing option that qualifies income using personal or business bank statements instead of traditional tax returns.

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Discover 12 Months Bank Statement Loans

A 12 Months Bank Statement Loan is a specialized Non-QM mortgage option designed for self-employed professionals whose actual cash flow reflects strong earning power, even if traditional tax deductions lower their reported net income. By evaluating 12 months of consecutive bank deposits, we can help you establish a clear and accurate picture of your qualifying income.

Benefits Of 12 Months Bank Statement

  • Designed for eligible self-employed earners with unique financial circumstances
  • Alternative income documentation accepted for business owners and freelancers
  • Flexible Non-QM qualification guidelines without traditional tax returns
  • Options for eligible primary home, secondary, and investment properties
  • Personalized financing based on your actual cash flow profile
A 12 Months Bank Statement Loan is a Non-QM mortgage option designed for eligible borrowers who use 12 consecutive months of personal or business bank deposits to calculate qualifying income rather than W-2s or tax returns. Qualification and documentation requirements vary by program.
Self-employed individuals, small business owners, independent contractors, freelancers, and 1099 workers whose taxable income does not fully represent their true business cash flow can greatly benefit from this program.
Income is evaluated by analyzing 12 consecutive months of bank statements. For business bank statements, a specific expense factor or CPA letter is typically applied to determine the qualifying monthly net income.
Yes! Depending on the program guidelines and whether you are a sole proprietor or independent contractor, you can often use either personal or business bank accounts to demonstrate your consistent cash flow.
Yes, these flexible Non-QM programs can be utilized 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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