Self-employed borrowers
Estimate bank statement income for self-employed mortgage planning.
Self-employed borrowers
Enter 12 or 24 months of deposits, then apply an expense factor and ownership percentage.
This is an estimate only and not a loan approval or commitment to lend.
Submit Your Loan ScenarioEnter monthly deposits for the period you want to review—often 12 or 24 months.
Apply an expense factor and ownership percentage to estimate possible qualifying monthly income.
Actual bank statement loan underwriting may exclude transfers, one-time deposits, borrowed funds, or non-business deposits.
They are often used by self-employed borrowers, business owners, contractors, and borrowers whose tax returns do not fully reflect cash flow.
No. Lenders may remove transfers, unusual deposits, non-business funds, or deposits that cannot be sourced.
It depends on the program and consistency of deposits. A loan officer can help compare options.
