Mortgage Solutions for Self-Employed Borrowers
Qualify using bank statements instead of traditional income documents—designed for business owners, entrepreneurs, and independent earners.
The Details Make the Difference
Why Choose a Bank Statement Mortgage?
Traditional mortgages weren’t built for today’s self-employed workforce. If your income is strong but doesn’t fit standard W-2 guidelines, a bank statement mortgage may offer a more accurate way to qualify.
Instead of relying on tax returns or pay stubs, these programs evaluate your actual cash flow using personal or business bank statements—providing a clearer picture of your financial strength.
Key Benefits Include:
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No tax returns or W-2s required
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Qualification based on real cash flow
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Flexible income analysis for complex finances
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Designed specifically for self-employed borrowers
Who Is a Good Fit for These Loan Programs?
Bank statement loans are ideal for borrowers with strong income but non-traditional documentation.
These programs may be a good fit if you are:
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Self-employed or a business owner
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A freelancer, consultant, or independent contractor
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A 1099 earner or commission-based professional
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An entrepreneur with write-offs that reduce taxable income
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A real estate investor with multiple income streams
Our Process: What to Expect
We make the process clear, structured, and transparent—so there are no surprises.
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Initial Consultation – We review your goals, property type, and overall financial picture.
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Bank Statement Review – We analyze 12–24 months of personal or business bank statements to determine qualifying income.
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Loan Strategy & Options – We match you with the most appropriate loan structure based on cash flow, credit profile, and long-term objectives.
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Application & Underwriting – Once aligned, we guide you through a streamlined application and underwriting process.
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Closing with Confidence - You move forward with clarity, knowing your financing supports your broader financial plan.
Fortress Mortgage Advisors: Your Trusted Partner
At Fortress Mortgage Advisors, we specialize in helping borrowers whose financial profiles fall outside traditional guidelines.
Our approach goes beyond loan approval—we focus on strategy, structure, and long-term stability. By collaborating with your CPA, financial advisor, or real estate professional when needed, we ensure your mortgage aligns with your bigger financial picture.
When your income is complex, your mortgage strategy shouldn’t be.
View Other Non-QM & Business Purpose Lending Options
See If You Qualify Using Bank Statements
If your income doesn’t fit traditional documentation requirements, a Bank Statement Mortgage may offer a more flexible path forward.