Bank Statement Home Loan Qualifier

  • Qualify Based on bank statements only!

  • No W2's or Tax Returns Needed!

  • Interest Only Options Available!

  • Get up to 90% Financing

  • 100% Gift Funds Allowed

  • Fixed Rate and Adjustable Rate Options

Answer a Few Quick Questions and Let’s See if You’re Eligible

*No Credit Check Required!

Get Rates and Terms as of 04/29/2025

Are you self-employed or 1099?

How many years have you been self employed?

What Percent of the Business Do You Own?

Does your revenue from the business get deposited into a business checking or personal checking?

Are you purchasing, refinancing, or cashing out?*

Do you want cash out or are you just looking to refinance to a lower rate?

What type of property are you planning on purchasing?

Do you plan to live in the home, use as a vacation home or use as an investment property?

Do you plan to hold or Flip this investment property?

Are you a first-time investor?

How many properties have you flipped (or exited) in the last 24 months?

Do you currently own other rental properties?

Do you plan to hold your investment property in an entity

How much cash are you trying to get?

Approximately how much do you currently owe on your mortgage?

(If you have a second mortgage or HELOC please combine the total amount you owe)

$

How do you use this property?

Where are you at in the purchase process?

What state will this property be located in?

*

What is the purchase price range of the properties you are looking to buy?

(Approximation is fine)

How much do you have for a down payment?

What is the purchase price of the new property?

(Approximation is fine)

How much are you putting down for the down payment?

What is the address of the property?

*This will allow us to determine the estimated value of the property

What is your approximate credit score?

Have you declared bankruptcy in the past 2 years?

Are you or your spouse a veteran?

How many employees do you have?

(Don't Count Yourself)

Estimate Gross Monthly Revenue that Gets Deposited Monthly

Does the business operate out of your home?

What is the name of the business?

Do you have a website?

What is the Website Address?

Do you manufacture a product, such that you have a cost of goods sold for the product you ultimately sell?

Do you buy and then resell a product?

Total Number of Physical Locations?

Do you have any employees or 1099 contractors you pay?

Briefly Describe the Business you Own:

Full Name

Get Rates and Terms With No Credit Check Required!

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Email Address

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  • Qualify Based on bank statements only!

  • No W2's or Tax Returns Needed!

  • Interest Only Options Available!

  • Get up to 90% Financing

  • 100% Gift Funds Allowed

  • Fixed Rate and Adjustable Rate Options

No W2s or Tax Returns Needed!

We offer bank statement home loans to self employed borrowers who may find if difficult qualifying using W2 and tax returns due to write-offs or fluctuations in pay.

With Bank Statement Loans, borrowers are qualified based upon their ability to repay using 24 month average of deposits. And, depending on the program, personal or business bank statements may be used.

America’s Short-Term Rental Property Financing

STEP 1

Apply Online or Call Directly

Find out how much home you can buy or discover how much you can save by refinancing.

STEP 2

Review What Options You Can Qualify For

Learn exactly how much you qualify for and what you would save by working with Envoy Mortgage LTD.

STEP 3

Get Loan Approval in 24 Hours

Get mortgage loan approval to move forward with your property.

About Us

We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life.

License

Chris Meeker NMLS: 205072

Envoy Mortgage Corp. NMLS: 6666

NMLS Consumer Access Lookup Tool

https://www.envoymortgage.com/

Contact

856-341-9886

[email protected]

10496 Katy Freeway Suite 250 Houston, TX 77043

© 2025 Envoy Mortgage LTD


There is no credit check to complete the pre-application form. All applications are subject to credit approval. Program terms and
conditions are subject to change without notice. Rates will not be produced once the pre-application is completed. Rates are produced by the Loan
Originator once the pre-application is evaluated. Rates and Fees are subject to change. Some products are brokered to a third party or may not be available in all states. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Other restrictions and limitations may apply. This is not a commitment to lend.