Bank Statement Loans are the game-changer for self-employed borrowers who have been told,
“We can’t qualify you without W-2s or traditional pay stubs.”
That outdated thinking still shuts out thousands of qualified buyers. At Martini Mortgage Group, we specialize in mortgages for self-employed borrowers versus W-2 employees—helping entrepreneurs prove what they actually earn, not just what appears on paper.
Your income story deserves to be heard, not disqualified. That’s why our Bank Statement Loan program was created for professionals who earn differently but deserve the same chance to build lasting wealth through homeownership.
Whether you’re a small-business owner in Raleigh, a freelance designer in Charlotte, or an investor with multiple income streams across North Carolina, Kevin Martini and Logan Martini can help you qualify for a self-employed mortgage loan using your bank statements instead of W-2s—with clarity, confidence, and certainty.
Bank Statement Loans Guide: Everything Self-Employed Borrowers Need to Know
What Is a Bank Statement Loan?
A bank statement loan is a flexible self-employed mortgage loan that allows business owners to verify income using personal or business bank statements rather than tax returns or W-2s.
Unlike traditional loans designed for W-2 borrowers, these programs focus on your real cash flow — not your taxable income.
Instead of judging your worth by a form, we look at the real inflow of deposits over time to determine your qualifying income.
Who a Bank Statement Loan (Mortgage for the Self-Employed) Is For
If you earn your living through self-employment, contract work, or investments, this program was designed for you. Common examples include:
- ✅ Small-business owners
- ✅ Freelancers and consultants
- ✅ Independent contractors (e.g., realtors, designers, developers)
- ✅ Gig-economy professionals
- ✅ Real estate investors
- ✅ Entrepreneurs with complex income streams
You work hard to build your business — you shouldn’t be penalized for it when it’s time to buy a home.
How Bank Statement Loans Work
Here’s how the process unfolds when you work with Martini Mortgage Group, the trusted Raleigh Mortgage Broker known for its fiduciary approach:
- Collect your bank statements (typically 12 – 24 months).
- Analyze your cash-flow average to determine income consistency.
- Calculate qualifying income based on verified deposits.
- Pre-approve your mortgage with our Same-As-Cash Mortgage Approval process.
- Close with confidence, knowing your unique financial picture was respected, not rejected.
💡 Pro Tip: Many lenders simply feed your data into an algorithm. We don’t. Kevin Martini and Logan Martini personally review every file to ensure you receive clarity, confidence, and certainty throughout your mortgage journey.
Unlike conventional programs built for W-2 borrowers, our self-employed mortgage loans focus on your business strength and cash-flow patterns, not your tax return deductions.
Why Self-Employed Buyers Choose Martini Mortgage Group
When you choose Martini Mortgage Group, you’re not just getting a loan — you’re gaining a fiduciary-style mortgage partner dedicated to helping you make smart, sustainable financial decisions.
Our approach to mortgages for self-employed borrowers bridges the gap between traditional underwriting and modern entrepreneurship. Whether you’re comparing your options as a self-employed versus W-2 borrower, we help you find the best path forward — with clarity, strategy, and transparency.
Our Advantage
- ✅ Experience: Years of proven success guiding self-employed borrowers across Raleigh and beyond.
- ✅ Speed: Streamlined documentation and faster closings.
- ✅ Strategy: Personalized mortgage plans built around your goals — not a template.
- ✅ Transparency: No hidden fees. No surprises. Just clear communication every step of the way.
We understand how to read between the lines of your financial story — because a W-2 can’t summarize your worth.
Benefits of Bank Statement Loans
1. No W-2s or Tax Returns Needed
Perfect for anyone whose income doesn’t fit the traditional box.
2. Qualify Based on Real Deposits
Your cash-flow tells the real story — not your taxable income.
3. Flexible Underwriting
Designed to reflect today’s diverse economy of business owners and freelancers.
4. Fast and Simple Process
Fewer hurdles, less paperwork, and quicker approvals.
5. Available Beyond Raleigh
While we’re proud to be a leading Raleigh Mortgage Lender, we also serve borrowers in North Carolina, South Carolina, Virginia, Florida, and Indiana.
TL;DR — Bank Statement Loan Requirements (Simplified)
Every borrower’s situation is unique, but here’s a quick look at the essentials most Bank Statement Loan programs require:
- 🏦 12–24 months of consecutive personal or business bank statements
- 💳 Minimum credit score: 660
- 💰 Down payment: Typically 10–20%, depending on the property and borrower profile
- 🧾 Business proof: A valid business license or CPA verification letter
- 🏡 Eligible property types: Primary, secondary, or investment homes
These self-employed mortgage loans offer flexible qualification and real-world underwriting for today’s entrepreneurs.
Your dedicated mortgage strategist — Kevin Martini or Logan Martini — will help you structure your Bank Statement Loan for maximum approval power and long-term equity growth.
Why This Matters in the 2025 Market
In a market where traditional lending tightens, flexibility is freedom. For self-employed professionals comparing mortgages for self-employed versus W-2 borrowers, access to programs like Bank Statement Loans is a game-changer.
For self-employed professionals across Raleigh Real Estate, access to alternative financing like Bank Statement Loans is a powerful wealth-building tool.
Rates and guidelines evolve, but the opportunity remains clear:
💡 Homeownership is still the most reliable path to long-term financial growth.
Clarity = Certainty. Certainty = Power.
At Martini Mortgage Group, we believe mortgage planning isn’t about chasing the lowest rate — it’s about creating clarity, strategy, and stability in your life.
You’ve built your business. Now, let’s build your homeownership future with the same confidence.
Take the Next Step
Ready to qualify for a Bank Statement Loan and buy your home on your terms?
📞 Call Martini Mortgage Group at (919) 238-4934
💻 Or Schedule Your Complimentary Consultation
Let’s turn your income story into your homeownership success story.
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