Bank Statement Loans



As a self-employed entrepreneur, how can you qualify for a home loan with low rates?

The answer is a Bank Statement Loan, and we don’t even need your tax returns to qualify. Instead, we use anywhere from 3 to 24 months of deposit history, divide it in half to compensate for your expenses, and use the result to document your monthly income.

Truss can help you maximize the amount you qualify for with a 12-month Bank Statement Mortgage or a 24-month Bank Statement Mortgage.

Bank Statement loans for the self-employed

Before the financial crisis, entrepreneurs like us used to qualify for stated income mortgages. But then Congress passed the Dodd-Frank Act requiring traditional banks to follow strict lending rules and document each borrower’s ability to repay. Suddenly, self-employed folks who write-off expenses could no longer qualify.
But there’s good news. Truss Financial Group helps you qualify with the lowest Bank Statement loan rates. If your expenses are less than 50%, your CPA can provide a profit and loss statement. This adds to your monthly stated income, and gives you more buying power.

Find out what rate and amount you qualify for using a Bank Statement Mortgage.


Proudly recognized as a Best Mortgage Lender for the self-employed

We offer a wide array of home loans for the self-employed, including Stated Income loans (a/k/a NonQualified loans). We offer Bank Statement loans, Asset Depletion loans and more. And if you’re trying to finance a rental property, we offer DSCR loans based on Debt Service Coverage Ratio, and even “No-Ratio” loans.


Bank Statement Mortgages

If your business shows consistent income, a Bank Statement Mortgage can help you qualify for a mortgage despite taking many write-offs. We use anywhere from 3-24 months of your business or personal bank statement deposit history, then divide it in half to compensate for your expenses. We use the resulting number to document your monthly income and help you qualify for a low-rate mortgage loan.


Self-Employed Mortgages

When it comes to financing your home, being self-employed can make it difficult to qualify for a mortgage loan with low rates. But Truss Financial Group has creative ways to help you qualify and save money. We offer a variety of Self-Employed Mortgages including Stated Income loans (Non Qualified loans), Bank Statement loans, Asset Depletion loans and more. When financing a rental property, we offer Debt Service Coverage Ratio loans, and even No-Ratio loans.


Stated Income Mortgages

As a self-employed small business owner, real estate investor, or entrepreneur, you legally maximize your tax deductions each year. So your tax returns don’t tell your real financial story and ability to repay a mortgage loan. As self-employed real estate investors ourselves, we understand. That’s why Truss offers Stated Income Mortgages and alternative ways to verify your ability to repay.


Do You Expense Your Personal Life Through The Business?

Wth a bank statement mortgage, we don’t care about your expenses. We’ll take your 12 or 24 month deposit history and calculate your income using your actual revenue. This saves you time and gets you the no income verification loan you deserve.


Even if You’re an Entrepreneur, You Can Qualify

Entrepreneurs and real estate investors usually struggle to qualify for mortgage loans from traditional banks. And often they resort to financing through hard money lenders that charge exorbitant interest rates which dramatically increases home costs and decreases buying power. Truss offers a wide variety of ways to prove your ability to repay. Connect with a Truss loan officer to get the mortgage money you need at rates you can afford.


The Key to a Stated Income Mortgage: The Right Financial Story

Your W2 or tax return might not get you the loan you want. 1040s offer a narrow glimpse of the money you have available. Truss knows this, and we work with you to get the full picture using other financial statements you already have for a stated income mortgage.



Built by entrepreneurs for entrepreneurs™

Jeff Miller and Jason Nichols created Truss Financial Group to help clients avoid the disappointments they themselves had experienced as self-employed real estate investors. After the financial crisis of 2008, and in the wake of greater government regulation of traditional banks, Jeff and Jason got tired of applying for mainstream mortgages, getting denied, and resorting to hard money loans at high rates.

They solved their own problem by bringing together a group of non-traditional banks and financial funds specifically to support the self-employed and real estate investors. Now with decades of experience and an expert mortgage lending team, you won’t find advisors with a greater ability to help you qualify for the loan you need at the lowest possible rate.

“Like most people I got hit hard by the financial crisis. With a short sale on my record, Wells Fargo, Bank of America, and Chase wouldn't write me a loan. But my real estate agent referred me to Truss Financial and they helped me qualify.”
business man
“I have excellent credit and income, and have been banking with Bank of America for over 20 years. When I needed a loan quickly, B of A couldn’t fund it fast enough. I turned to Truss and Jeff got the loan funded in 15 days.”
business woman
“I’m self-employed and wanted to buy an investment property. I was declined by multiple banks because my tax returns don’t show enough income. My CPA referred me to Truss because they could use my business bank statements to qualify. So glad I made the call, because they got me approved.”
business man

Qualify Today For Your Bank Statement Home Loan

✔ No Tax Returns

✔  3-24 Months of Deposit History

✔  Expenses Calculated based on 50% of Deposits

✔  Can Provide P/L from CPA to Maximize Loan Amount

✔ Largest Access to Bank Statement Loans and Lenders