Where are you in the home buying process?
Will you be applying with a co-borrower?
What is your employment status?
How would you like to qualify?
Self-employed borrowers can qualify a couple of different ways. Pick whichever fits your situation best.
What is your estimated gross annual income?
What is your estimated credit score?
Please fill the details below to see your options.
Profile Submitted!
Great news—Step 1 is complete! We've received your homebuyer profile. Would you like to input your liabilities now to calculate your purchasing power and unlock your initial pre-qualification estimate?
Before You Submit
What is your co-borrower's estimated credit score?
What is your co-borrower's employment status?
How would your co-borrower like to qualify?
Self-employed borrowers can qualify a couple of different ways. Pick whichever fits their situation best.
What is your co-borrower's estimated gross annual income?
What type of bank statements will you provide?
We'll use these to calculate your qualifying income — no tax returns required.
How many months of statements will you provide?
Enter Your Total Business Deposits
Add up all the deposits shown across every statement and enter that one combined total below — this is not a monthly amount. We'll divide it by the number of months to get your average monthly figure automatically.
Select Your Expense Ratio
By default we use a standard 50% expense ratio — no documentation required — meaning 50% of your average monthly deposits count as qualifying income. If your actual business expenses run lower, a letter from your accountant or CPA confirming your expense ratio lets you qualify with more income.
Enter Your Documented Expense Ratio
Enter the expense ratio percentage confirmed in your accountant/CPA letter. The remainder of your average monthly deposits will count as qualifying income.
Your Bank Statement Income Summary
Statement Type:
Months Provided:
Total Deposits:
Average Monthly Deposits:
Expense Ratio Used:
Qualifying Monthly Income:
Qualifying Annual Income:
What type of bank statements will your co-borrower provide?
We'll use these to calculate your co-borrower's qualifying income — no tax returns required.
How many months of statements will your co-borrower provide?
Enter Your Co-Borrower's Total Business Deposits
Add up all the deposits shown across every statement and enter that one combined total below — this is not a monthly amount. We'll divide it by the number of months to get the average monthly figure automatically.
Select Your Co-Borrower's Expense Ratio
By default we use a standard 50% expense ratio — no documentation required. If actual business expenses run lower, a letter from an accountant or CPA confirming the expense ratio allows more income to be used.
Enter Co-Borrower's Documented Expense Ratio
Enter the expense ratio percentage confirmed in the accountant/CPA letter. The remainder of average monthly deposits will count as qualifying income.
Co-Borrower Bank Statement Income Summary
Statement Type:
Months Provided:
Total Deposits:
Average Monthly Deposits:
Expense Ratio Used:
Qualifying Monthly Income:
Qualifying Annual Income:
Input Your Liabilities
Review and adjust your monthly debts below.
Edit My Profile
Click any section below to update your information.
Mortgage Calculator
📊 How Your Bank Statement Income Was Calculated
💰 Reserve Requirements
📋 Documentation Note
⚠ Important Notice — Credit Score
Bank statement loan programs typically require a minimum credit score in the 640–660 range. Scores below that may still qualify with a larger down payment (15%+ or more) and additional reserves as compensating factors. A specialist will review your full profile to explore available options.
Application Submitted!
Your information has been sent to one of the Approved Mortgage Solutions loan specialists for review. You will be updated within the next 24 hours.