Income qualification using bank deposits instead of tax returns — built for self-employed borrowers.
Instead of tax returns, a bank statement loan qualifies you on the deposits that actually run through your business or personal accounts over a recent period.
The lender reviews those statements, applies an expense factor appropriate to your business, and arrives at a qualifying income that reflects what you really earn.
We help you decide which accounts and which statement period present your income most accurately, before anything is submitted.
For self-employed borrowers in Fremont, a bank statement loan qualifies income from the deposits that run through business or personal accounts, instead of tax returns.
For context, the median value of owner-occupied homes in Fremont is $1,403,800, according to the Census Bureau's 2020–2024 American Community Survey.
It can finance a primary home, a second home or an investment property, subject to the lender's guidelines.
Every borrower’s situation is different, so the right next step is a conversation about your income, savings and timeline.
Sources: U.S. Census Bureau, American Community Survey 2020–2024; HUD 2026 FHA limits; FHFA 2026 conforming limits. Loan limits are for Alameda County, where most of Fremont’s residents live.
Either can work. We help you decide which accounts and which period show your income most accurately before anything is submitted.
Business owners, 1099 contractors and freelancers, and anyone whose tax returns understate what they really earn.
Send a few details about what you’re planning and we’ll follow up. There is no obligation.
David Young, NMLS #62043, CA DRE #01371572. Lendwise Mortgage, NMLS #2702455. NMLS Consumer Access.
David Young, CA DRE Broker Associate #01371572, NMLS #62043. Loans arranged through Lendwise Mortgage, Inc., California Department of Real Estate Corporation License #02282825, NMLS #2702455.
This is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Equal Housing Opportunity.