📊 Bank Statement & Self-Employed Loans

Flexible Mortgage Solutions for Independent Earners

Empowering the Self-Employed to Own Their Dream Home

At AM&FT (Alexander’s Mortgage & Financial Team), we understand that not every qualified borrower has traditional income documentation. That’s why we offer Bank Statement & Self-Employed Loan solutions tailored specifically for entrepreneurs, freelancers, and small business owners.

Whether you’re scaling your business or managing multiple revenue streams, we help you turn your success into homeownership—without the usual roadblocks.

🧾 What Are Bank Statement Loans?

Instead of relying on W-2s or pay stubs, bank statement loans use 12–24 months of personal or business bank statements to verify income. This gives self-employed borrowers the flexibility they need to qualify based on how they really earn.

✅ No tax returns required

✅ Loans available for primary residences, second homes, or investment properties

✅ Qualify with consistent business or personal bank deposits

✅ Options for recent business owners (2 years+)

🛠 Perfect For:

Business Owners & Entrepreneurs
Freelancers & Gig Workers
Consultants, Realtors, and Contractors
Self-employed borrowers with strong cash flow but nontraditional documentation

💼 Why Choose AM&FT?

✔️ Personalized support tailored to your income structure
✔️ Fast, streamlined underwriting for bank statement files
✔️ Access to top-tier lenders who understand self-employed borrowers
✔️ Local expertise with national reach

🗂 Example Documents We Accept:

Business or personal bank statements (12–24 months)
Profit and loss statements (optional in some cases)
Proof of self-employment (e.g. business license, CPA letter, 1099s)
ID & property info

Don’t worry—we’ll walk you through every step.

Review

What Our Clients Are Saying

More than 98% of our clients report a stress-free experience, and results that exceeded expectations.

"Alexander and his team made my home buying journey feel effortless. As a first-time buyer with a unique income situation, I expected roadblocks—but they delivered clarity, speed, and results. Highly recommend!”

Samantha R

First-Time Buyer | Arizona

“I’ve worked with several lenders, but this team understands real estate investing like no one else. They helped me finance two rental properties through DSCR without any income docs. Pro-level service.”

David H.

First-Time Buyer | Scottsdale, AZ

“I used a VA loan to buy our family’s first home and Alexander made the process smooth, fast, and honestly enjoyable. He explained every step and respected my time. Outstanding service.”‍

Marcus G.

Veteran | VA Loan | Scottsdale AZ

“We refinanced our home and saved over $400 a month thanks to their guidance. They laid out all the options with no pressure—just honest help.”

Rachel & Mike L.

Rate & Term Refinance | Chandler AZ

“As a business owner, I was tired of hearing ‘no’ from banks just because I didn’t have a W-2. Alexander’s team understood my situation immediately and got me approved using my bank statements. No stress, no games—just results.”