You made the smart move — writing off expenses, running a business, building wealth. But the bank sees your tax return, not your actual income. We do it differently.
You likely qualify if you have:
When you’re self-employed, your accountant’s job is to minimize your taxable income. Write-offs, depreciation, pass-through deductions — all legal, all smart. But traditional lenders use your net income from your tax return to decide what you qualify for. That gap between what you earn and what you show the IRS is exactly why banks keep saying no.
It’s not your income. It’s their system. We work outside their system.
| Factor | Traditional Bank | SEI Mortgage |
|---|---|---|
| Income verification | 2 years tax returns | 12–24 months bank statements |
| Write-offs & deductions | Penalize you for them | Ignored — we use gross deposits |
| Pre-qualification time | 7–14 days | 24 hours |
| Self-employed approval rate | ~30% | Significantly higher |
| Loan programs available | Conventional only | Bank statement, 1099, P&L, DSCR, asset-based |
| LLC / business entity | Usually not allowed | Supported on most programs |
No two self-employed situations are the same. We match you to the right program based on how your income actually looks.
We average your deposits over 12 or 24 months. Business accounts: 50% expense ratio applied. Personal accounts: 100% of deposits used. No tax returns required.
Learn more →We average your last 1–2 years of 1099 income. Common for contractors, consultants, gig workers, and commissioned sales professionals.
Learn more →A CPA-prepared profit and loss statement is used to verify income. Ideal for cash-heavy businesses like restaurants, salons, and service operations.
Learn more →Substantial liquid assets? We can qualify you based on your asset balance alone — no income documentation required.
Learn more →DSCR loans qualify based on the property’s rental income — not your personal income at all. Scale your portfolio without a personal income ceiling.
Learn more →Access your equity through a HELOC without the income documentation requirements of traditional banks. Use bank statements to qualify.
Learn more →Not sure? Call us. There are more options than you think.
We’ve streamlined the non-QM process down to the essentials. No piles of paperwork. No mystery. Just a clear path from inquiry to close.
Takes 2 minutes. We need your basic details to pull the right program for your situation.
Our team averages your deposits, calculates your qualifying income, and identifies the best program match — within 24 hours.
You receive a pre-qualification letter showing your loan amount and terms available — whether you’re doing a cash-out refinance or purchasing a new home.
We walk through rate, term, and monthly payment options on a call. No surprises. You decide what works.
Most bank statement loans close in 17–21 days. You get the cash or keys, we handle the paperwork.