Self-employed income.
Shown through deposits.
Eligible bank-statement programs give self-employed borrowers another way to document income. AREG discusses options up to 90% LTV on loan amounts up to $3.5M where the file and program allow—so business owners are not stuck with a W-2-only conversation. Deposit history, business expenses, ownership, and transfers still drive the calculation.
- Alternative income documentation for self-employed borrowers
- Conversations up to 90% LTV and $3.5M where eligible
- Business or personal statement paths based on the program
What should I know first?
Eligible bank-statement programs give self-employed borrowers another way to document income. AREG discusses options up to 90% LTV on loan amounts up to $3.5M where the file and program allow—so business owners are not stuck with a W-2-only conversation. Deposit history, business expenses, ownership, and transfers still drive the calculation.
Have these details ready.
Starting information only. Your lender determines final documentation. Send sensitive documents only through the secure process your loan team provides.
- Business type, ownership percentage, and how income is paid.
- Recent business and/or personal bank statements as directed by AREG.
- Property state, occupancy, expected price or value, and requested loan amount.
- Asset and identification documents through your loan team’s secure process.
Before you take the next step.
What loan amounts and LTVs can we discuss?
AREG’s bank-statement conversations include options up to 90% LTV on loan amounts up to $3.5M where eligible. Exact limits depend on credit, occupancy, property, and program.
Does every deposit count as income?
No. Lenders apply their own rules to eligible deposits, transfers, business expenses, and ownership. A statement balance alone does not establish qualifying income.
How many statements should I prepare?
Ask AREG to confirm whether business or personal statements are appropriate and how many months the selected program requires. Do not assume the same period applies to every lender.
Who is this program for?
Self-employed borrowers and unique income scenarios where traditional tax-return underwriting is not the best fit. Bring a clear picture of the business and how money moves.
A question shouldn’t
slow down a closing.
Brooke and John are here for the “can we?” questions. Bring a loan scenario, ask what to collect, or get help choosing your next step.
See the document checklists ↓
Published 2026-10-28 · Prepared for AREG’s mortgage education library. Program eligibility and pricing require individual review.
Program background from Acra Lending ↗Source guidance explains concepts; it is not a commitment by AREG to offer every listed lender term.