Qualify using your bank statements instead of tax returns. Non-QM loans are built for business owners, freelancers, and investors whose income doesn't fit a traditional box.
Bank statement loans (a type of Non-QM, or "non-qualified mortgage") let self-employed borrowers qualify based on deposits shown in 12–24 months of bank statements rather than tax returns. They're ideal for entrepreneurs whose write-offs lower their taxable income but who have strong real cash flow.
As a broker, BayPort matches you with the Non-QM program and lender that best fits your situation.
Self-employed borrowers, business owners, freelancers, and investors with non-traditional income.
Correct — qualification is based on your bank-statement deposits and other program criteria.
Usually 12 or 24 months, personal or business, depending on the program.
Often slightly, reflecting the flexible documentation — your loan officer will show you the exact numbers.
Talk to a BayPort loan officer about a bank statement or Non-QM loan — no pressure, just clear answers.