You searched:
“how to get a mortgage with cash income”
Earning cash is legitimate, but proving it to lenders requires strategy. Bank statement loans, asset-based programs, and proper income documentation can bridge the gap between what you earn and what you can prove.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Service industry tips paid in cashSolution exists
- 2Small business with cash-heavy transactionsSolution exists
- 3Side income from cash-based servicesSolution exists
- 4Inconsistent deposit patternsSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Bank Statement Loans
Deposit your cash income consistently and use 12-24 months of bank statements to qualify.
Available nowAsset Depletion
If you have saved significant cash in accounts, qualify based on total assets rather than income stream.
Available nowStart Documenting Now
Begin depositing all cash income into a bank account today. In 12 months you will have the documentation lenders need.
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No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Cash income? Let us find the right documentation path.
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Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
Yes, but you need to document it. Depositing cash into a bank account creates the paper trail lenders need. Bank statement loans are designed for this.
Most bank statement loan programs require 12-24 months of statements showing consistent deposits.
Start now. After 12 months of consistent deposits, you will have the documentation needed. In the meantime, explore asset-based qualification if you have savings.
Cash income? Let us find the right documentation path.
We will reach out at a time that works for you. No pressure, no obligation.