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Bank Statement Mortgage Program in Maryland
Qualify for a Home Loan Using Your Business or Personal Bank Deposits
Traditional mortgage loans rely on W-2s and tax returns — but if you're self-employed, those documents may not reflect your true income. That’s where Bank Statement Loans come in.
Instead of verifying your income with tax forms, we use 12 to 24 months of your bank statements to calculate your average monthly deposits. This allows self-employed borrowers in Maryland to qualify based on actual revenue — not what’s left after write-offs.
Who Is This Program For?
Business owners who deduct heavily on taxes
1099 workers who earn strong income but show low net profit
Realtors, consultants, freelancers, and gig economy professionals
Borrowers who want to qualify without using tax returns)
Program Highlights
No tax returns required
Use business or personal bank statements
12 or 24 months of deposits averaged for income
Purchase or refinance available (including cash-out)
Loan amounts up to $3 million
Can be used for primary homes, second homes, or investment properties
✅ Available for LLCs and sole proprietors
It might be easier to get pre-approved for a mortgage than you ever imagined. We believe in making it as easy as possible for everyone to purchase their own home. Click here now to get started, it only takes a few minutes online.
Documentation Needed
No tax returns required
Use business or personal bank statements
12 or 24 months of deposits averaged for income
Purchase or refinance available (including cash-out)
Loan amounts up to $3 million
Can be used for primary homes, second homes, or investment properties
Available for LLCs and sole proprietors
Compare to Other Self-Employed Loan Options
[Bank Statement Loan] – Use 12 or 24 months of business or personal deposits to qualify
[1099 Income Loan] – Qualify using your 1099s instead of tax returns
[Profit & Loss (P&L) Only Loan] – Verify income with a CPA-prepared P&L statement
[Asset Qualifier Loan] – Use retirement, investment, or savings assets to qualify
[Main Loan Program Page] – Compare FHA, Conventional, VA, and USDA options
Ready to Qualify Without Tax Returns?
We’ll review your bank statements and let you know how much home you can afford — no tax returns required. Whether you're buying, refinancing, or just exploring options, we’re here to help.
Start your application or request a free consultation below.
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Loan Officer - NMLS#
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See how much you qualify for in 60 seconds or less.
