Qualify with Bank Statements
Alt-doc programs that consider deposits over tax returns.
Alt-doc
Self-employed
How it works
🏦
Deposit analysis
Use business and/or personal bank statements.
🧮
Income modeling
Underwriting models consistent deposits.
📄
Doc-lite
Less dependence on tax returns.
Estimate ARM vs Fixed
Quick estimate of potential monthly payment difference. For illustration only; actual terms vary.
Estimated monthly payment
ARM intro
$1933
Fixed-rate
$2155
Potential monthly difference: $222
Actual payments depend on program details, APR, MI, taxes, and insurance.
Choose your path
Self-employed owner
Qualify without traditional W-2s.
Comparing options
See when bank statement beats QM.
Trusted by borrowers
Alt-doc
Flexible
NMLS: 2530539
Equal Housing Lender
“Finally qualified using my actual deposits.”
FAQs
Get Your Free Refi Quote
Submit your information and a VA loan specialist will contact you with a personalized savings report.