Self-Employed & Bank Statement Home Loans
Self-employed buyers and 1099 earners in California and Georgia often have strong cash flow but tax returns that don’t tell the full story. Bank statement and self-employed loan programs are designed with you in mind.
This page explains how these programs work and how they fit alongside FHA, VA, and Conventional options on the Home Purchase Loans and Loan Comparison Guide pages.
What Are Self-Employed & Bank Statement Loans?
These programs look beyond traditional W-2s and tax returns, using bank deposits and other documentation to evaluate your ability to repay.
- Use 12–24 months of bank statements to calculate qualifying income
- Designed for business owners, independent contractors, and gig workers
- Can be structured as fixed-rate or adjustable loans, depending on the lender
Who Are These Loans Best For?
Self-employed and bank statement loans may be a strong fit if you:
- Own a business or are paid on 1099 instead of W-2
- Write off significant expenses on your tax returns
- Have strong deposits and cash flow but “low” taxable income on paper
Self-Employed vs. Traditional Loans
We’ll look at whether you can qualify using:
- A standard Conventional or FHA loan using tax return income, or
- A self-employed / bank statement structure that better reflects your real cash flow.
The Loan Comparison Guide includes a high-level view of how these options differ.
Self-Employed Buyers in California & Georgia
These programs are common for:
- California: Small business owners, independent professionals, and investors in Oceanside, North County San Diego, and the Inland Empire
- Georgia: Contractors, consultants, and entrepreneurs in Metro Atlanta
Next Steps: See Which Income Method Works Best
We’ll review your tax returns, bank statements, and goals to determine whether a traditional or alternative income method gives you the best outcome.