Your business income counts — even when your tax returns don't show it.
Self-employed home loans, also known as non-QM or bank statement loans, are designed for business owners, independent contractors, freelancers, and 1099 earners whose tax returns do not reflect their true income after write-offs. Instead of W-2s, lenders qualify you using 12 or 24 months of business or personal bank statements.
If you have been told "no" because your tax returns show too many deductions, this is the program for you. Van works with lenders that specialize in self-employed borrowers and can usually tell you in a single conversation whether a bank-statement, P&L-only, or asset-depletion loan is the right fit.
Apply For A Mortgage NowVan will walk you through every option in one call — no pressure, no runaround.