Bank Statement Loans are Available!
Receive a quote on a Bank Statement loan today.
Qualify Based on Your Cash Flow, Not Your Tax Returns
🔑 Why Choose a Bank Statement Loan?
Self-employed? Don’t let outdated lending rules hold you back. With a Bank Statement Loan, your income is verified through deposits—not tax documents—so you can finally buy the home you deserve.
Self-employed? Don’t let outdated lending rules hold you back. With a Bank Statement Loan, your income is verified through deposits—not tax documents—so you can finally buy the home you deserve.
✅ No Tax Returns Needed
We use 12-24 months of personal or business bank statements to verify your income—no W-2s or 1040s required.
✅ Perfect for Entrepreneurs & Freelancers
Ideal for self-employed borrowers, consultants, gig workers, and small business owners.
✅ Buy or Refinance
Whether you’re buying your dream home or refinancing to get better terms, this loan gives you flexibility.
✅ Competitive Rates
Get rates that reflect your true earning power—not what your tax strategy says.
✅ Fast Approvals
Streamlined process built for today’s fast-paced life.
About Bank Statement Loans
Bank Statement Loans are designed for self-employed individuals, freelancers, and business owners who may not have traditional proof of income like W-2s or tax returns—but still have strong, consistent cash flow.
Instead of relying on tax documents, lenders use 12–24 months of your personal or business bank statements to assess your income and ability to repay the loan. This makes it easier for entrepreneurs to qualify for a mortgage based on the money actually coming into their account.
Who Qualifies?
If you're self-employed and have consistent deposits into your bank account, you may be eligible—even if your tax returns say otherwise. Most borrowers need:
12–24 months of bank statements
A credit score of 620 or higher
Proof of self-employment for at least 2 years
Get Your Bank Statement Loan Quote Now!
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NEXA Mortgage - NMLS# 1660690
3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226
https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690
NEXA Mortgage LLC is an Equal Housing Lender
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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov https://bit.ly/3B5pAfz.
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov