Refinance or restructure your loan with clarity, compliance, and confidence — even if your situation doesn’t fit the traditional lending box.

Smart Mortgage Solutions When Banks Say No

At Call The Mortgage Guy, we help borrowers navigate non-QM, refinance, and custom loan solutions by starting where most lenders don’t: proper underwriting and compliant structure.
Whether you’re self-employed, carrying unconventional income, or stuck in an unfavorable loan, we focus on building terms that actually work — not just pushing applications.

Bank Statement Loans

For Self-Employed Borrowers. No tax returns required.

Loans from $150K to $4M
Buy, refinance, or access equity with flexible options
Works for primary homes, second homes, and investment properties
Qualify using bank statements instead of tax returns
Only 25% business ownership required
Options available just 2 years after major credit events
1099 and P&L income accepted
Available for resident and non-resident borrowers
Flexible loan terms, including ARM and 30-year fixed options

A bank statement loan is designed for self-employed borrowers who need a more flexible way to verify income. Instead of traditional documents like tax returns or pay stubs, income is evaluated using personal or business bank statements.

This type of loan is ideal for business owners, freelancers, and independent contractors who may not show consistent income on paper. You don’t need to own 100% of the business to qualify.

Our Bank Statement Program helps qualified self-employed borrowers access home financing—even if they’ve been turned down through traditional loan options.

Contact CallTheMortgageGuy

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Frequently Asked Questions

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What is a bank Statement mortgage?

A bank statement mortgage is a loan option designed for self-employed borrowers who may not qualify using traditional income documents.

Instead of relying on tax returns or W-2s, lenders use your personal or business bank statements to estimate your income. This makes it easier for business owners, freelancers, and entrepreneurs to qualify—especially if they have write-offs that reduce their taxable income.

Can a self-employed person get a mortgage?

Yes—being self-employed doesn’t mean you can’t qualify for a mortgage.

Loan options are available that look beyond traditional income documentation. Your credit, income deposits, and overall financial profile are all considered to find a program that fits your situation.

Even if you’ve had trouble qualifying before, there may still be options available.

Can I refinance with a bank statement loan program?

Yes, refinancing is available with bank statement loan programs.

You can use this option to lower your rate, change your loan terms, or access equity—without needing traditional income documents.

Add a TitleWhy Choose Non-QM Loan Options? Here

This is a Paragraph FonNon-QM loans give you access to financing options that traditional lenders may not offer.

Whether you’re self-employed, have unique income, or don’t fit standard guidelines, these programs open the door to homeownership when others say no.

By working with CallTheMortgageGuy, you get access to flexible solutions designed to fit your situation—helping you move forward with confidence no matter the market conditions.t

Bank Statement Loan Application

If you're self-employed or don’t have traditional income documentation, a bank statement loan could be the perfect solution.

Our quick questionnaire helps us understand your financial situation so we can match you with the best loan options available.

Built for Borrowers Who Don't Fit the Bank Box

Mortgage Solutions Designed for Real-World Financial Situations

Most lenders are trained to look for reasons to say no.
We’re built to look deeper.

At Call The Mortgage Guy, we specialize in refinance and non-QM solutions for borrowers with complex income, unconventional circumstances, or loans that no longer serve them. Our approach starts with underwriting and structure — not just rate sheets or automated approvals.

Ready to See What's Possible?

Start With a Conversation - Not An Application

You don’t need perfect credit, clean W-2s, or a bank-approved story to get clarity.
We’ll review your situation, identify where the friction is, and determine whether a better structure exists — before you commit to anything.