Bank statement loans let self-employed borrowers in North Carolina and South Carolina qualify for a mortgage using 12 or 24 months of personal or business bank statements — no tax returns required.

Why Self-Employed Borrowers Struggle
Your tax returns show write-offs that lower your qualifying income. A bank statement loan uses deposits instead, so you qualify based on actual cash flow.

Program Highlights

• 12 or 24 months bank statements (personal or business)
• No tax returns, no 4506-T
• Up to 90% LTV on purchase
• Loan amounts to $3M+
• Cash-out refinance available
• 2nd home and investment eligible

Requirements

• 660+ credit score (higher tiers 680/700/720)
• Self-employed 2+ years
• 10–20% down (owner-occupied)
• 6–12 months reserves

Who This Is For

• Realtors, contractors, business owners, 1099 consultants, Airbnb hosts, restaurant owners, doctors/dentists in private practice, creatives

We serve Charleston, Summerville, Mt. Pleasant, Charlotte, Raleigh, Asheville, Wilmington, Greenville and all NC/SC markets. Call (843) 478-5223.