Buy, refinance, or access equity using bank statements, not tax returns.
Coltrain Mortgage offers bank statement mortgages built for self-employed borrowers and business owners - qualify using 12 or 24 months of personal or business bank statements instead of tax returns, for a home purchase or refinance.
- No Tax Returns Needed
- 12 or 24-Month Options
- Personal or Business Statements
- Purchase & Refinance
Let's See What You Qualify For
A local loan officer replies directly - usually within one business day.
Thanks - you're all set.
A Coltrain loan officer will personally reach out shortly. Have a question right now? Call (631) 851-4420.
What makes our bank statement loan different
No tax returns required
Qualify off real deposits into your bank account instead of the taxable income shown on your return - write-offs that lower your tax bill won't work against you here.
12 or 24-month options
Choose the statement window that shows your income in the best light - 12 months for a stronger recent trend, 24 for a longer track record.
Personal or business statements
Qualify off personal account deposits, business account deposits, or a mix of both - whichever reflects how your income actually flows.
Purchase & refinance
Use bank statement qualification to buy your next home or refinance the one you're in, including cash-out.
Not sure if a bank statement loan is the right fit for your income?
A bank statement option for your actual situation
12-Month Personal Statements
Qualify off the last 12 months of personal bank statement deposits - the shortest documentation window we offer.
24-Month Personal Statements
A longer statement history can support a larger loan amount or offset a shorter time in business.
Business Bank Statements
Qualify off your business account's deposits directly, using an expense factor instead of a full tax return breakdown.
Purchase
Buy your next home using bank statement income, with the same wholesale rate access as our other purchase loans.
Rate & Term Refinance
Refinance your current mortgage using bank statements, without needing to produce tax returns.
Cash-Out Refinance
Refinance and pull cash out of your home's equity, qualifying off bank statements instead of tax returns.
From application to closing
Tell us your situation
Purchase or refinance, personal or business statements, 12 or 24 months - we match you to the right program.
We review your statements
We calculate your qualifying income from real deposits, not the taxable income on your return.
Streamlined underwriting
No tax returns, no W-2s or pay stubs required for this program - just the bank statements themselves.
Close on your loan
Buy your next home or complete your refinance with wholesale-priced rates and local guidance throughout.
Your write-offs shouldn't cost you a mortgage.
Traditional underwriting reads your net income straight off your tax return - the same number your accountant worked hard to lower. A bank statement loan looks past that: no tax returns, period. Qualification is based on real deposits into your bank account, personal or business, so the write-offs that help your tax bill don't work against your approval.
Bank statement loan questions, answered
What counts as income on a bank statement loan?+
Lenders review 12-24 months of personal or business bank statements and calculate qualifying income from actual deposits, not the taxable income shown on your tax returns.
Why would I use bank statements instead of tax returns?+
Self-employed borrowers often write off enough expenses that their tax returns understate what they actually bring in. A bank statement loan qualifies you off real cash flow instead.
Do I need W-2s or pay stubs?+
No. Bank statement loans are built specifically for borrowers who don't have traditional W-2 income documentation.
Can I use a bank statement loan for an investment property?+
Yes. Bank statement programs are available for both primary residences and investment properties, for purchase or refinance.
Can I also use bank statements to qualify for a HELOC?+
Yes - if you're looking to tap equity in a home you already own rather than purchase or refinance, we offer a separate bank-statement HELOC program built for self-employed borrowers. See HELOC for self-employed borrowers →
More Non-QM options and related programs
We Can Start with a Conversation
No forms to fill out, no obligation - phone, text, email, video chat, or stop by our Hauppauge office in person. Whatever's easiest for you.
Got it - we'll be in touch.
A Coltrain loan officer will reach out however you prefer, usually within one business day.
Ready to buy or refinance using bank statements?
No pressure, no obligation - just a clear answer from a local loan officer.