For Self-Employed Business Owners
Bank Statement Loansfor self-employed business owners.
Portfolio mortgages for self-employed borrowers whose tax write-offs understate true cash flow. Qualify on 12 to 24 months of personal or business bank statements instead of tax returns.
No SSN or hard credit pull to start. No obligation.
4.9 from 44 reviews
NMLS ID 2653540
Do you qualify?
The real thresholds for this program and profile, stated up front. Outside one of them? A senior mortgage banker can usually structure another path.
620+
credit score
As low as 620. Program minimums vary.
10%
minimum down
As low as 10% down. Program minimums vary.
55%
max DTI
Up to 55%. Program minimums vary.
Property types
Primary, second home, or investment property. Single family homes, PUDs, condos including non-warrantable and condotel.
$4M
loan ceiling
Many loan programs to $4 million maximum. A specialty ultra jumbo option offers loans to $20 million for very well qualified borrowers.
2+
years self-employed
Typical starting point - program minimums vary.
Bank Statement Loans built for self-employed business owners
Your business writes off aggressively and your tax returns show it. We qualify you on 12 or 24 months of bank-statement deposits, so your real cash flow does the talking.
Qualify on 12 to 24 months of personal or business bank statements instead of tax returns. Built for self-employed borrowers whose tax write-offs understate true cash flow.
Program features
- No tax returns required
- 12 or 24 month statement options
- Up to 90% LTV
- Primary, second home, and refinance
What we can finance
- Many loan programs to $4 million maximum, plus a specialty ultra jumbo option offering loans to $20 million for very well qualified borrowers.
- Primary, second home, and investment properties.
- Purchase, refinance, and cash out available.
- Single family homes, PUDs, condos including non-warrantable and condotel.
Every file is structured by a senior mortgage banker before it goes to underwriting, and most loans close in as few as 14 days.
Our Private Client Process
Our process assigns a dedicated licensed mortgage advisor throughout your home financing journey.
Dedicated Advisor
A licensed mortgage advisor is assigned to guide you through your entire home financing journey.
Specialist Support
Your advisor assigns dedicated specialists to assist with specific needs throughout the process.
Technology & Expertise
We utilize leading technology and best practices coupled with personalized attention.
Senior management is also available should a situation arise needing their expertise or escalation.
Based on 44 reviews
What our clients say
Real reviews from borrowers who closed with HyperSmart.
“I would give Ali and his team 10 stars, if possible. They offer very clever solutions and went above and beyond to help us find a custom jumbo loan. My husband and I also greatly appreciated their depth of expertise and patience to walk us through every step of the process. Can't thank this team enough for making it possible for us to buy our home!”
Sarah Chiu
Google Review
“Frank Martinez at HyperSmart Home Loans was our angel. After nearly loosing our dream home due to THREE TERRIBLE lenders, we found Frank. In just 4 weeks he completely turned the situation around. He worked tirelessly to ensure we were able to close our first home. He was responsive, proactive, considerate, and most importantly, transparent, from start to finish. I know they say to be warry of lender's promises, but you can trust Hypersmart and you can DEFINITELY trust Frank Martinez!”
Gabby Patton
Google Review
“Just an incredibly diligent, hard working and effective group of people. Phillip, Sean, Ali and Kyle were extremely patient, pushing on completion of the loan and through underwriting through all hours of the day. Each person is a clear, quick communicator. They will help you understand the underlying concepts, why there is a blockage (if any), etc. I used HyperSmart for my first home purchase through an alt non-qualified mortgage. In addition, my business is crypto-adjacent. Those three factors (first time, alt non-qualified, crypto-adjacent) makes getting a mortgage very difficult, but they figured it out anyway.”
Hunter Monk
Google Review
See what you qualify for
Takes about a minute. No SSN required. A senior mortgage banker reviews every inquiry.