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We Fund Nationwide!

Self Employed Bank Statement Mortgage
Income Qualify With Your Gross Earnings
No Tax Returns Required
Best Low Doc Mortage for Self Employed
Perfect For Business Owners & 1099 Contractors 


  • Income Qualify with Bank Statements
  • No Tax Returns Required
  • No K-1's Required
  • Self Employed Purchase & Refinance
  • Additional W-2 Income Allowed
  • Purchase With Minimum 15% Down Payment
  • Refinance Maximum 85% Loan To Vaule
  • Loan Amounts $250,000 to $3 Million
  • 660 Minimum FICO score
  • Cash Out Refinance Allowed
  • Interest Only Avaiable

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Why Choose Us

Purchase and Refinance With Out Tax Returns

More than any other lender we understand the challenges the entrepreneur faces when trying to use their adjusted taxable earnings to qualify for a traditional mortgage. Consequently, we take a very different approach. Our loan products simply don’t require tax returns. With our products we use a business owners gross revenue to income qualify. This typically allows the self employed borrower greater flexibility when applying for a mortgage.

By using your gross earnings by way of bank statement deposits you wont be penalized for your legal tax write offs. Instead, you will find that you qualify for a much larger loan amount vs. a mortgage that requires using your bottom line taxable earnings. Every business owner has a unique situation and we have the industry’s widest product offering for alternative income loans to meet your personalized needs. Our team of federally licensed and regulated loan officers will guide you through your options, prepare you a written rate quote summary, and escort you from application to funding. Our level of communication, product knowledge and mortgage experience will clearly set us apart from our competition. We are available by phone or email seven days a week.

Give us a Call Today 888-940-4766

Apply Now!

Loan Product Options

  • Qualify With Either 12 or 24 month Bank Statements
  • Business or Personal Bank Statements Allowed
  • Use Bank Statements & Other W-2 Income
  • Use 1099' Income To Qualify
  • Use Liquid Assets To Qualify 
  • No Income No Employment Required For Investment Property.
  • NO Tax Returns!

Loan Product Highlights

  • No Tax Returns Required
  • Minimum Down Payment/Equity is 15%
  • Minimum FICO Score Is 660
  • 12 Month SE History Required
  • Purchase, Refinance, or Cash Out Refinance
  • Single Family Homes, Condos or 2-4 Units
  • Primary Residence, 2nd Home, or Investment Property
  • Loan Amounts $200,000 to $5 Million Only
  • 30 Year Fixed Rate and Fixed Period ARM's
  • Interest Only Options
  • All States Except New York & Maryland
  • Products subject to change - call for latest updates

Our Process

Consultation & Rate Quote

Call or Apply Online. A licensed loan officer answer questions, discuss product options, then provide a written rate quote for your review

Processing and Approval

Your loan officer and your assigned personal Op's team will guide you through the application and approval stages.

Docs and Funding

Your Loan Officer and Op's team will secure the final approval and set a date for closing. Go over closing docs and secure funding!



Texas - $452,000 Purchase

Owning a Home is the American Dream and you guys did just that for our family. Start to finish in 30 days was incredible. We are thrilled to be in our new home. Thank you Tommy and Audrey!

Florida -  $595,000 Cash Out Refinance

Christy and Alysa - Thank you both for your help and glad we had you on our side!  The entire process was much smoother than expected. We appreciate everything you did for us.

California- $1.6 Million Purchase

Thank you to the entire BOE team. Did not think   we would get approved due to being self   employed.  You all went above and beyond and   answered every question along the way. Thank   you all for getting this done. 


Frequently Asked Questions


Get the Answers You are Looking For

1.What Income Docs do I need to provide?

We will use 12 or 24 months of business or personal bank statements as the qualifying income. No Tax returns.

2.How long do I need to be Self Employed?

We require a minimum of 12 months of self employed business operaiton. Lower interest rate options require 24 months.

3.How long does it take to get pre approved and how long to close?

We can secure a formal pre approval in 1-2 business days from your application. Most loans close in about 30 days.

4.What experiece do you have working with self employed borrowers?

We have assembled a team of loan officers each with over 12+ years of mortgage experience to work only with self employed borrowers.

5.Who is Bank Of England and do you fund in my state?

Bank of England Mortgage is a FDIC chartered and regulated bank operating for over 120 years. We offer this product in all states except NY & Maryland.

6.Who can I contact to answer more questions and how do I get pre approved?

Our team of Self Employed mortgage experts can be reached 7 days a week at 888-940-4766 or through the Rate Quote form on this page.