Haven Homes

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Finally Get Approved

We provide bank statement loans for self-employed individuals. Yes! You can finally get approved! Fill out the form to learn more about qualifying.

Ready to actually get approved for a mortgage? All we need is a few details and we can quickly begin the qualification process. Don’t wait! Fill out the form now. Your new home is waiting.

Fill in the form to get started

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Name*

Phone*

Email*

Property State

Property Zip Code

ZIP / Postal Code

Are You Self-Employed?

Yes

Loan Purpose

Purchase a home

Refinance

Resident Type

Primary Residence

Second Home / Investment Property

Credit Score

Loan Amount*

Please select the

Property Value*

Are you currently working with a realtor?

Yes

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Bank Statement Home Loans

Get mortgage approval regardless of your write-offs with a bank statement loan.

Fast Track Qualification

No tax returns, 640+ credit score, DTI up to 50%, personal/business bank statements based on 12-month averages. You don’t need perfect credit!

Multiple Loan Options

Owner-occupied, second homes, investment properties, condos, gift funds allowed, single-family residences, townhomes, purchase or refinance (cash-out allowed).

Flexible Terms

As low as 10% down. Can get approval with bankruptcy or foreclosure. Everyone deserves a second chance! Interest-only options and ARM options are available.

Ultimate Customer Experience

Over 40 years of combined experience with outrageously good customer service. Plus, a charitable donation made in your name.

What Is A Bank Statement Loan and How Can It Help You?

Bank statement loans are a great option for self-employed individuals. Instead of relying on tax returns, lenders look at your bank statements over the past year to see how much money you’re bringing in. This is really helpful if your income isn’t always the same or if you have a unique business structure.

Traditionally, mortgage lenders rely heavily on tax returns to verify your income. But bank statement loans offer a more flexible approach, which is great news for self-employed borrowers. Your tax returns might not always accurately reflect your actual income due to deductions and business expenses.

Bank statement loans focus on your actual cash flow, showing lenders you can comfortably afford a mortgage. This makes a lot more sense than just looking at your tax returns, especially if your income isn’t always consistent.

Start your Bank Statement Home Loan

Our goal is to deliver exceptional mortgage products and outstanding service.

Along with multiple loan programs, we pride ourselves on incredible customer service. We want the process to be smooth and stress-free for you.

We offer better options, going beyond traditional mortgages to provide a variety of financing solutions for your new home. You might be surprised at how affordable your down payment could be.

Our commitment to better service means you won’t just be a number to us—we take pride in building lasting relationships and genuinely care about your best interests. By giving you more choices and delivering impeccable customer service, we ensure a better home-buying experience, ultimately helping you find a happy home.

3% Down Purchase

Bank Statement Program

Bankruptcy or Housing Event

Asset Qualifier

Jumbo Options (10% Down Jumbo no PMI)

Investor Cash Flow

Traditional Loan Programs

Foreign National Program

Loans after Foreclosure or Short Sale

Loans after Bankruptcy

We Love Helping People Just Like You

We’ve specialized in non-traditional loans for over a decade and helped thousands of self-employed clients.

We recently used Haven Home Loans in the purchase of our first home. Harris made every step of this process as easy and stress-free as possible. He thoroughly explained every element of what we were doing, which was so appreciated given how complicated this process can be. Harris is also incredibly efficient and responsive, and was able to move very quickly against a shortened due diligence period. We were even able to close a little bit early, in large part because of how quickly he made everything happen! Harris exemplifies professionalism, expertise in his field, responsiveness, and kindness, and I cannot recommend him enough!

What a WONDERFUL experience!!!!!!! Throughout the whole home buying process, Harris was there for me answering all my little financial questions and easing my every worry. I felt like he was looking out for us, I felt heard, and I truly had FUN with him!! As we were buying our first house, it was very important to me to be very involved and gain a full understanding of all the steps that were taken-- Harris did such a fantastic job of making sure I was learning the "why" behind each step, explaining everything in layman's terms, allowing me to feel comfortable with it all. He really went above and beyond, and we couldn't be more appreciative. Highly, highly, HIGHLY recommend Haven Home Loans!!!

Harris is awesome! He is extremely knowledgable in the housing market and mortgage processes. It was my daughter’s first mortgage and Harris made the experience amazing and worry free. He was patient and supportive and guided us through everything step by step. He went above and beyond to provide the best personal service to prevent small issues from becoming bigger problems. He even answered our calls during his vacation, so it was comforting to know that he genuinely cared and was reliable. It was an immense pleasure working with Harris and without a doubt will continue to work with him for all further home loans and recommend him to anyone.

Harris did an amazing job guiding my wife and I through the home buying process for both of our homes! He was diligent in his work, honest, responsive to our needs, and really made us feel comfortable through the entire process. I’ve recommended him to anyone buying a new home and have continued to hear great feedback on his behalf. Can’t recommend him enough!

Everyone knows buying a home can be a stressful and painful process, but Harris made it as easy and seamless as possible. I can’t thank him enough for his help throughout my entire home buying process. As this was my first home, I had a lot of questions, but Harris was patient and took the time to answer all of them and talk through the process with me. I was also buying in an intense market where time was of the essence and I firmly believe his quickness and thoughtfulness is the reason I was able to buy the home I did. I would recommend Harris with zero hesitation, especially for first time home buyers like myself!

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