Loan Expert Team
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Which best describes you?
Self Employed
VA Eligible
Real Estate Investor
Other
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What are 1099 Home Loans?
Bank Statement Loans are a type of non-QM (Non-Qualified Mortgage) loan that uses your bank statements (personal or business) to verify your income. Instead of relying solely on tax returns, these loans assess your financial health by analyzing your deposits and cash flow. This makes them ideal for self-employed individuals, freelancers, and small business owners who may not have traditional W-2 income.
Who Qualifies for anBank Statement Loan?
Bank Statement Loans are designed for borrowers who:
Are Self-Employed
Own their own business or work as freelancers, contractors, or gig workers.
Have Fluctuating Income
Experience seasonal or inconsistent income due to the nature of their work.
Write Off Significant Business Expenses
Claim deductions that lower their taxable income.
Have Limited Tax Return History
Newer businesses or those with less than two years of tax returns.
Loan Lock Home Loans Bank Statement Loan Programs
Standard Asset Depletion/Utilization
At Loan Lock Home Loans, we understand that not all self-employed borrowers will qualify for traditional mortgages. Our Bank Statement Loan programs offer flexible solutions to meet your unique needs. Additional documents may be required for eligibility.
Self Employed? Qualify without Tax Returns
Secure a lower interest rate to reduce monthly payments and overall interest paid.
Why Choose Loan Lock Home Loans?
Borrow up to 90% of the property value.
We use your bank statements (12 or 24 months) to assess your income, not just your tax returns.
Finance your primary residence, second home, or investment property.
Access competitive interest rates tailored to your financial profile.
Fewer documents needed compared to traditional mortgages.
Streamlined process for quick approvals and funding.
How Can we Help?
Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.
Get in touch with our Loan Agents at
714-814-2125
Loan Lock Home Loans
NMLS# 390320
714-814-2125
6 Hutton Centre Drive,Suite 1030, Santa Ana,CA92707
info@loanlockhomeloans.com
Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
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714-814-2125
info@loanlockhomeloans.com
Address: 6 Hutton Centre Drive,Suite 1030, Santa Ana,CA92707
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- 714-814-2125
- 6 Hutton Centre Drive,Suite 1030, Santa Ana,CA92707,
- Tustin, CA 92780
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