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12- or 24-Month Personal or Business Bank Statements
Freedom Choice Lending — Empowering Self-Employed Homebuyers
At Freedom Choice Lending, we understand that not everyone fits into a traditional lending box. If you’re self-employed, a business owner, freelancer, or entrepreneur, your tax returns may not show your true income — but that shouldn’t stop you from owning a home.
That’s why we offer Bank Statement Loan Programs designed specifically for borrowers who earn their income differently. Instead of relying on W-2s or tax returns, we qualify you based on your actual bank deposits over the past 12 or 24 months — giving you credit for the income you really earn.
Program Highlights
✅ No Tax Returns Required
We use your personal or business bank statements to calculate qualifying income — not your adjusted gross income from tax returns.
✅ 12- or 24-Month Options
Choose between 12 or 24 months of statements, depending on your income stability and loan goals.
✅ Personal or Business Accounts Accepted
Use your personal or business bank statements — or a combination of both — to show your true cash flow.
✅ Flexible Loan Amounts
Finance primary homes, second homes, or investment properties — with loan amounts up to $3 million (varies by lender).
✅ Credit Scores as Low as 620
Perfect for borrowers with strong income but limited traditional documentation.
✅ Purchase, Refinance, or Cash-Out
Use this program to buy a new home, refinance your current loan, or pull equity out for business or personal needs.
Who Is This Program For?
This program is ideal for:
- Self-employed borrowers or 1099 earners
- Business owners with significant deposits
- Gig workers, consultants, and freelancers
- Real estate investors with variable income
- Entrepreneurs looking for an alternative to full-doc loans
If you’ve been turned down because your tax returns don’t show your true earning power, this program may be your solution.
How It Works
- Provide 12 or 24 months of bank statements (personal or business).
- We calculate your qualifying income based on your average monthly deposits.
- Apply for your loan — purchase, refinance, or cash-out.
- Get approved based on real cash flow — not tax write-offs.
It’s that simple.
Example Scenario
A self-employed borrower shows $250,000 in annual deposits in their business account, but only $85,000 on tax returns due to write-offs. Using a 24-month bank statement program, Freedom Choice Lending can use the average monthly deposits to qualify — potentially unlocking the buying power that traditional lenders overlook.
Why Borrowers Choose Freedom Choice Lending
At Freedom Choice Lending, we specialize in flexible, common-sense loan programs for modern borrowers. Our mission is to help hardworking business owners and self-employed professionals achieve homeownership — without the stress of traditional income documentation.
Whether you’re buying your first home, upgrading, or leveraging your equity, we’ll walk you through every step — from application to closing.
Next Step
Ready to explore your options?
📞 Call Freedom Choice Lending today or apply online to see how much you qualify for using your 12- or 24-month bank statements.
💬 No tax returns. No problem. Just your real income.
👉 Call Freedom Choice Lending at (866) 587-6967
or
👉 Apply online at FreedomChoiceLending.com To apply online 100% secured portal
Disclaimer:
All programs are subject to lender approval, credit review, and property requirements. Terms and conditions may vary. Not all applicants will qualify.