If you’re self-employed, paid on commission, or run a business, you already know the frustration: you can have strong cash flow, great credit, and real assets—yet a traditional mortgage can still feel like a square peg in a round hole.

That’s exactly why bank statement loans exist. They’re designed for borrowers whose real income is easier to see in deposits and cash flow than in W-2s or “perfect” tax returns. Instead of relying only on pay stubs and W-2s, these programs use recent bank statements to document income and help qualified buyers and homeowners move forward. 

And timing matters: mortgage rates have details ⇒

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