How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

Bank Statement Income Calculator | Self-Employed Mortgage

Bank Statement Income Calculator

For self-employed borrowers qualifying through bank statements (Non-QM). Enter 12 or 24 months of total deposits.

Statement Period

Account Type

Total Deposits (24 months)

Expense Ratio

0%90%

Enter total deposits to see results.

Help & Guidance

Frequently Asked Questions

Everything you need to know about this income type and how lenders evaluate it.

Warning Signs

Red Flags & Common Problems

These situations can complicate or prevent mortgage qualification. Know them in advance to avoid surprises.

⚠ Estimates only. Not a loan commitment.

Your next step

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