Self-Employed & Bank-Statement Loans
Home loans for the self-employed, built around how you actually earn.
Tax returns rarely tell the whole story for a business owner. Brooke structures self-employed and bank-statement loans around your real cash flow, not just your write-offs.
Talk With BrookeThe Short Answer
Self-employed home loans, including bank-statement loans, let business owners and 1099 earners qualify using real income signals like bank deposits rather than only tax returns. Brooke Gagliardi works with self-employed buyers, entrepreneurs, and 1099 professionals across Oklahoma, Alabama, Arkansas, Colorado, Kansas, Missouri, and Texas to find financing that reflects how they actually earn. Documentation options and terms vary by program.
Why borrowers work with Brooke.
Income measured by cash flow
Bank-statement and similar programs can use your deposits to show income, which often tells a truer story than a tax return full of deductions.
Bank-statement and 1099 options
There are programs designed specifically for self-employed and 1099 borrowers. Brooke matches you to the one that fits your documentation.
Investor and portfolio friendly
Many self-employed buyers are also investors. Brooke can help with financing that supports building a portfolio. Options vary.
An expert who gets self-employment
Brooke speaks fluent business owner, so you are not explaining your income to someone who only understands W-2s.
"Business owners get told no by lenders who only look at a tax return. I look at how the business actually performs. That is usually a very different, and much better, story."Brooke Gagliardi, Mortgage Lender, NMLS #1402950
Your questions, answered.
Can I get a mortgage if I am self-employed?
Yes. Self-employed buyers can absolutely get a mortgage, often using programs built around business income rather than only tax returns. The right approach depends on how your income shows up, which is exactly what Brooke helps you sort out.
What is a bank-statement loan?
A bank-statement loan is a mortgage that uses your bank deposits, rather than tax returns, to document income. It is designed for self-employed and 1099 borrowers whose tax returns understate their real cash flow. Terms and the number of statements required vary by program.
How is my income calculated if I am self-employed?
It depends on the program. Conventional loans typically average your tax-return income, while bank-statement programs use your deposits over a set period. Brooke will look at both paths and use whichever reflects your situation best.
How many months of bank statements do I need?
Many bank-statement programs ask for twelve to twenty-four months. The exact number depends on the program and whether you use personal or business statements. Brooke will tell you what your specific program requires.
Do I need two years of tax returns?
Not always. Conventional financing often looks for a two-year history, but bank-statement and other self-employed programs can qualify you without relying on tax returns. Which fits you depends on your situation.
Can 1099 contractors qualify?
Yes. 1099 contractors and gig professionals can qualify, often through programs that use 1099 income or bank deposits rather than W-2s. Availability varies by program.
Which states can Brooke help with a self-employed loan?
Brooke can help self-employed and 1099 buyers in Oklahoma, Alabama, Arkansas, Colorado, Kansas, Missouri, and Texas.
How do I get started?
The easiest first step is a short, no-pressure call. Book a free call with Brooke or request a pre-qualification, and she will map out your options based on how you earn.
Licensed To Help In
Oklahoma · Alabama · Arkansas · Colorado · Kansas · Missouri · Texas
Your move. Your moment.
Let's find financing that reflects how your business actually performs.
Book Your Free CallBank on Brooke is the residential lending studio of Brooke Gagliardi, Mortgage Lender, NMLS #1402950, with Flat Branch Home Loans, NMLS #224149. Equal Housing Lender.
This page is for general education only and is not a commitment to lend or an offer of any specific rate, program, or term. Loan programs, eligibility, and terms vary by borrower and property and are subject to underwriting approval. Licensed in AL, AR, CO, KS, MO, OK, and TX.