Self-Employed | Bank Statement

Stated Income | No Income | Non-QM

Helping You Achieve Your Dream
Is Our Dream Come True!

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CA | FL | GA | NC | SC

Do Any of These Describe You?

  • You’re Self-Employed / Own a Business
  • You’re a 1099 Contractor
  • Tax returns are causing problems getting a mortgage

Program Highlights

  • Self-employed mortgages don’t require tax returns
  • Use your Bank Statements to calculate income
  • Write-offs and losses don’t matter
  • Loan Types include:
    • Home Purchase
    • Rate/Term Refinance (lower rate and payment, get out of hard money and more)
    • Cash Out Refinance (debt consolidation, home renovation, business loans and more)

Self-Employed mortgages are known as Bank Statement mortgages, also as Stated or No Income loans, and they don’t require tax returns to qualify. Do you deposit money into a bank account? If so, you probably have options!

Bank statement home loans allow self-employed customers to qualify with what you really earn. Since the housing market crash in the late 2000s, most lenders penalize business owners when good accounting saves thousands in taxes. Nile Mortgage knows how to show lenders your real income.

Alternative programs such as Self-Employed mortgages, Bank Statement mortgages, are great solutions because tax returns are not used. When you’re self-employed, including sole proprietor or 1099 contractor, you plain and simple have different tax rights. Having different tax rights doesn’t mean you should be penalized, you just need different options. Contact us today to take advantage of what millions of self-employed people are doing already.

Keep your write-offs, get a mortgage!

  • No tax returns
  • Purchase with as little as 10% down and no PMI
  • Cash out refinances up to 80% of home value
  • Cash out funds may be used for your business
  • 30 & 15 year fixed rate options
  • No balloons and not hard money
  • Loan amounts up to $3.5M+
  • Title can be in LLC name (rental homes only)

 

Choosing me as your broker gives you access to the best lenders. Don’t limit your choices to only 1 or 2 companies. With Nile Mortgage, get more lender options to be sure you’re getting the best for you. Isn’t that what you’re looking for? I’ve already done the shopping for you. Rates, programs, turn-times. Done, done, and done. Why aren’t rates posted on my website? Because I don’t believe in teaser rates. Let’s find your best mortgage. The best combination of rate and program for you. That’s my job and about 5 minutes is all we need. Call or submit a contact request and let’s get started!

Commonly Used Self-Employed Mortgage Terms

  • Bank Statement loan
  • Bank Statement mortgage
  • Bank Statement home loan
  • Bank Statement refinance

 

  • Business Owner loan
  • Business Owner mortgage
  • Business Owner home loan
  • Business Owner refinance

 

  • Self-Employed loan
  • Self-Employed mortgage
  • Self-Employed home loan
  • Self-Employed refinance

 

  • No Tax Return loan
  • No Tax Return mortgage
  • No Tax Return home loan
  • No Tax Return refinance
  • 1099 loan
  • 1099 mortgage
  • 1099 home loan
  • 1099 refinance

 

  • No Income loan
  • No Income mortgage
  • No Income home loan
  • No Income refinance

 

  • No Doc loan
  • No Doc mortgage
  • No Doc home loan
  • No Doc refinance

 

  • Stated Income loan
  • Stated Income mortgage
  • Stated Income home loan
  • Stated Income refinance

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CA | FL | GA | NC | SC

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