Buy Your Home Even When Banks Say No
Self-employed? Writing off too much income? We specialize in home loans for business owners, freelancers, and W2 earners who don't fit the traditional box.
- ✓Get approved using bank statements instead of tax returns
- ✓Close fast - many home purchases close in 21 days or less
- ✓Buy or refinance your home with flexible income documentation
Been Turned Down by Your Bank?
You're not alone. Traditional lenders reject thousands of qualified borrowers every month because:
- ❌ Your tax returns show too little income (even though your business is thriving)
- ❌ You're self-employed or 1099 and don't have two years of W2s
- ❌ Your income fluctuates seasonally or you just changed careers
- ❌ You have great credit but your debt-to-income ratio is "too high"
The truth? You CAN qualify. You just need a lender who understands how real people earn money in 2025.
How We Get You Approved
We offer alternative qualification methods that traditional banks don't.
Bank Statement Loans
Show 12-24 months of business or personal bank statements instead of tax returns. Perfect for self-employed borrowers.
Flexible Documentation
1099s, P&L statements, CPA letters, and asset-based qualification options when traditional docs don't tell your full story.
Expert Guidance
Direct access to experienced loan officers who know US lending inside-out. No call centers, no runaround.
Loan Programs That Actually Work
Bank Statement Loans (12 or 24 months)
- As low as 10% down
- Use deposits to calculate income
- No tax returns required
P&L Only Programs
- CPA-prepared profit & loss statements
- Ideal for newer businesses
- Competitive rates
Asset Depletion Loans
- Qualify using savings/investments
- Perfect for high net-worth borrowers
- Flexible terms
DSCR Loans
- For rental properties
- Loan based on property income
- No personal income required
1099 Contractor Programs
- For independent contractors
- Simplified documentation
- Quick approvals
Conventional & FHA
- Conventional (as low as 3% down)
- FHA (3.5% down, flexible credit)
- Jumbo up to $4M+
Why Work With LoanGuys
Expert Guidance
A single, guided experience from start to finish. Our team takes you step-by-step with the support and expertise you deserve.
Fast, Streamlined Process
Close in as little as 21 days with our optimized approval process and dedicated underwriting team.
Programs for Every Situation
From FHA to bank statement loans to jumbo financing - we shop multiple programs to find your best rate and terms.
- ✓ Licensed nationwide with local market expertise
- ✓ No junk fees or hidden costs
- ✓ Direct lender relationships for better rates
- ✓ Same-day pre-approvals available
Real Borrowers, Real Approvals
Don't just take our word for it - here's what our clients say
"After being denied by three banks, LoanGuys.com got me approved using my bank statements. Closed in 23 days on my San Diego home."
"As a business owner, my tax returns don't show my true income. They understood that and found a program that worked. Couldn't be happier."
"I was told my debt-to-income was too high. LoanGuys.com restructured everything and got me a better rate than I expected."
The Market Moves Fast. So Do We.
Interest rates change daily. Home prices in competitive markets wait for no one. Get your pre-approval locked in now so you're ready when you find the right property.
- • Average time to pre-approval: 24 hours
- • Average closing time: 21-30 days
- • Rate lock available: Up to 90 days
Mortgage FAQs
Answers to common questions about getting approved for a home loan.
What if my tax returns don't show enough income?
This is exactly who we help. Bank statement loans use your actual deposits to calculate income—not what you wrote off. If your business is generating cash flow, you can likely qualify. We'll review your last 12-24 months of statements to determine your qualifying income.
What documents do I need to get started?
It depends on your loan type. For traditional loans: W2s, tax returns, pay stubs, and bank statements. For self-employed/bank statement loans: 12-24 months of business or personal bank statements, and a valid ID. We'll guide you through exactly what you need during your consultation.
How fast can I close?
Most purchase transactions close in 21-30 days. Refinances typically take 14-21 days. We'll give you an exact timeline after reviewing your specific scenario. Rush closings are available in certain situations.
What credit score do I need?
It depends on the loan program. FHA loans accept scores as low as 580 (sometimes lower). Conventional loans prefer 620+. Bank statement and portfolio loans vary by lender but often start at 660. We work with multiple lenders to find options for various credit profiles.
Are you licensed nationwide?
Yes, we are a licensed mortgage broker (NMLS #1553947). We work with borrowers across the United States and understand the unique requirements and opportunities in various markets.
Ready to Explore Your Mortgage Options?
Stop letting traditional bank requirements hold you back. Let's find a loan program that matches your unique situation and goals.