Self-Employed & Non-QM
A Mortgage That Reads Your Business, Not Just Your Tax Return
Write-offs that save you at tax time should not cost you the house. Bank-statement and Non-QM loans qualify you on real cash flow, and we set the file up before you shop.
Oscar Acosta, Strategic Lending Advisor. NMLS #1876248. Bilingual, English and Español.
Can you get a mortgage with bank statements instead of tax returns?
Yes. Bank-statement loans qualify self-employed borrowers using 12 to 24 months of deposits instead of tax returns, so legitimate business write-offs do not sink your qualifying income. Rates run a bit higher than conventional, but the approval reflects what your business actually earns.
How it works
Three steps, no guesswork.
Planning Call
We start with a short call to map your situation, your numbers, and your goals. No pressure, just a clear read on where you stand.
Strategy and Execution
I position your file around the details that matter for your deal, then handle the lender side so you can focus on what counts.
Close with Confidence
You get a clean pre-approval and a team that communicates in English or Spanish all the way to closing day.
Self-employed and Non-QM questions, answered
The questions business owners actually bring us.
What is a bank-statement loan?
A Non-QM mortgage that uses your business or personal bank deposits, usually 12 to 24 months, to calculate qualifying income instead of tax returns that are lowered by write-offs.
Why can't I just use my tax returns?
You can, but many self-employed borrowers legitimately write down taxable income, which shrinks the income a conventional loan will count. Bank-statement loans fix that mismatch.
How much down payment do I need?
Typically 10 to 20 percent, depending on credit and the program. Stronger credit and reserves lower the requirement. We confirm the exact figure against the program that fits your file.
Are the rates much higher?
Somewhat higher than conventional, since these are Non-QM. For many self-employed buyers it is the difference between qualifying and not, and we can often refinance later as your documented income grows.
What about a P&L or 1099-only loan?
Those exist too. A CPA-prepared profit-and-loss statement or straight 1099 income can qualify you under the right program. We match the loan to how your income is actually documented.
Should I come to you before I find a house?
Yes, ideally well before. Self-employed files have more moving parts, so setting things up early means a clean pre-approval and far less friction when you are ready to make an offer.
What clients say
Real families and professionals across Texas.
★★★★★
Oscar went to the moon and beyond for my clients. Very knowledgeable and capable, always there to answer questions when we need it. One more family is enjoying their new home. You rock!
Rita Saenz-Pragner
Realtor
★★★★★
From our first conversation through the whole process, Oscar was professional and highly knowledgeable. He made an otherwise stressful event smooth and successful. We highly recommend Oscar and the Mpire Financial team.
Mara Nieves
Home Buyer
★★★★★
Oscar nos apoyó durante todo el proceso de compra de nuestra casa con un profesionalismo excepcional. Nos explicó cada detalle con claridad y nos dio confianza en cada paso. Si tuviera que recomendar a alguien, sería a Oscar sin dudarlo.
Christian Andrade
Comprador
Get qualified on your real income.
Bring your business in early and we will build the file around how you actually earn, not just how the IRS sees it.
Book Your Planning CallPrefer to talk now? Call (469) 484-7608