Bank Statement Income

No Tax Returns, No W2, No 1099!

A bank statement mortgage loan is designed for self-employed individuals or those with irregular income who may not have traditional proof of income like tax returns, pay stubs, W-2s, or 1099s. Instead, Generation Mortgage Associates LLC use your bank statements to verify income over a specific period, typically 12 to 24 months. This type of loan can be beneficial for business owners, or self-employed workers who have substantial deposits in their accounts but may not show consistent income on tax documents.

Key Requirements

  • No Tax Returns, W2, 1099, or paystubs

  • Income based on your latest 12 months deposits in your bank statements (personal or business)

  • Up to 90% with 680+ score (6 months reserves)

  • Mid score starts at 620 for 75% (3 months reserves)

  • ITIN ok may vary LTV

Step 1 - See what You Qualify For

$0
Qualifying Income Details
Monthly Debts & Expenses
Loan Terms
Maximum Home Price:
$0
Loan Amount (80% LTV): $0
Monthly P&I: $0
Monthly Taxes (1%): $0
Monthly Insurance (1%): $0
Estimated Cash Required
Down Payment Amount (20%): $0
Estimated Closing Costs (6%): $0
Total Estimated Cash to Close:
$0
*Calculation strictly assumes a 12-month deposit average, 50% DTI, and 2% combined annual tax/insurance allocation.

Work with an Expert Mortgage Consultant

22 Years Experienced as Loan Originator, 3 years as underwriting , 2 years as appraiser.

At Generation Mortgage Associates LLC , we partner with over 50 top lenders nationwide to find the best mortgage loan tailored to your specific needs. Regardless of your financial situation, credit history or income, we can secure a mortgage for you.


Our agents possess extensive expertise in the real estate market, staying ahead of trends and understanding property values. This enables them to offer you tailored, insightful guidance specific to your needs and goals.

Whether you prefer face-to-face meetings or virtual consultations, we are accessible and ready to assist. Trust us for a smooth and stress-free financing journey.

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Company NMLS#: 224585

1155 Pasadena Ave S - Suite H - South Pasadena, FL 33707

This website has not been reviewed, approved or issued by HUD, FHA or any governmental agency.