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

See what You Qualify For

Where are you in your home buying journey?

What type of property are you looking to purchase?

How do you plan to use your future home?

Do you own any property?

What is your current employment status?

What is your estimated credit score range?

What's your yearly income before taxes?

This is the same thing as gross income. You don't need to be exact but try to get as close as possible.

What is the estimated price range of the home you are looking to buy?

How much have you saved for purchasing the home?

What is your current residency status?

Are you already working with a real estate agent to buy your new home?

Have you had any foreclosures or bankruptcies in the past three years?

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Work with an Expert Mortgage Consultant

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.