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Bank Statement Loans

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

The answer is Bank Statement Loans, 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 Loan or a 24-month Bank Statement Loan.

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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 Bank Statement Loans.

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Truss Financial:
Proudly recognized as the 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 Non-Qualified 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.

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Bank Statement Mortgages

If your business shows consistent income, a Bank Statement Loan 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.
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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 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.
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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 Loans and alternative ways to verify your ability to repay.
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Do You Expense Your Personal Life Through The Business?
With 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.
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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.
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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.

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See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

First-Time Homebuyers' Delight

Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.

Robert F.

San Tan Valley, AZ, Software Engineer

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Great for Bank Statement Loans

I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.

Berj F.

Concord, CA, Business Owner

Personalized Service

"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."

Howard L.

CA, Real Estate Investor

Cash-Out Refinance Made Easy

Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.

RealEstateLady 1.

Sandy, OR, Real Estate Broker

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Exceptional for Self-Employed

After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

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Innovative Solutions for Self-Employed

Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual

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