Hal Bradosti
Mortgage Loan Originator
NMLS# 2226225
Call or Text: (703) 843-3969
Email: info@hbradosti.com
🏦Bank Statement Mortgage for Self-Employed & 1099 Borrowers
Qualify for a home loan without tax returns. At NEXA Mortgage, we offer Bank Statement and 1099 income loans for self-employed buyers — low down payment, flexible credit, and loan amounts up to $3 million.
Qualify for a Home Loan Without Tax Returns
If you’re self-employed, a freelancer, or 1099 earner, qualifying for a mortgage doesn’t have to be difficult.
Our Bank Statement Mortgage Program allows you to use 12 months of bank statements instead of tax returns — making it easier for entrepreneurs, small-business owners, and independent professionals to qualify.
💼Who Qualifies for a Bank Statement Loan?
This program is ideal for:
Small business owners and entrepreneurs
Realtors, brokers, and property investors
Contractors, consultants, and freelancers
Attorneys, accountants, and healthcare professionals
Gig-economy or commission-based earners
If you earn income outside of a traditional W-2, this program can help you qualify for a mortgage based on your actual cash flow.
Key Benefits of the Bank Statement Mortgage
✅ No tax returns required
✅ Use 12 months of personal or business bank statements
✅ Loans from $150,000 up to $3 million
✅ Down payment options as low as 10 %
✅ FICO scores starting at 640 (700 for 10 % down)
✅ 30-year fixed terms available
✅ Two years of self-employment required
✅ Borrowers don’t need to own 100 % of the business
Example: Realtors, consultants, or contractors can qualify using verified deposits rather than tax-return income.
1099 Income Loan Option
For independent contractors and freelancers who receive Form 1099s, we also offer a 1099-Only Mortgage.
This option helps borrowers who file W-9s or 1099s qualify using verified earnings rather than adjusted taxable income.
Program Snapshot
| Feature | Requirement |
|---|---|
| Income Verification | 12 months of bank statements |
| Employment Type | Self-employed / 1099 only |
| Minimum Credit Score | 640 (700 for 10 % down) |
| Down Payment | Starting at 10 % |
| Loan Amounts | $150 K – $3 MM |
| Loan Type | 30-year fixed |
| Tax Returns Needed | ❌ Not Required |
Why Choose a Bank Statement Mortgage?
Traditional mortgage guidelines often disqualify self-employed borrowers because deductions reduce taxable income.
Our Bank Statement Mortgage focuses on your deposits and true income flow, not your write-offs — helping more qualified buyers achieve homeownership.
📞 Get Started Today
Ready to see if a Bank Statement or 1099 Mortgage is right for you or your client?
Contact Hal Bradosti at NEXA Mortgage LLC for details or a custom quote.
📧 info@hbradosti.com
📞 (703) 843-3969
👉 To get started and review your scenario., please fill out the below form or APPLY HERE
