You searched:
“I just started a business can I get a mortgage”
New business owners face a documentation chicken-and-egg problem. You need 2 years of returns for traditional loans, but bank statement and asset-based programs can bridge the gap while your business grows.
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.
- 1Business is under 2 years oldSolution exists
- 2No tax returns filed yet for the businessSolution exists
- 3Income is strong but not traditionally documentedSolution exists
- 4Left W-2 employment to start the businessSolution 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 Loan
12 months of business bank statements can qualify you without tax returns. Show your deposits, not your deductions.
Available nowAsset Depletion
Use personal savings, investments, or retirement accounts to qualify based on asset strength.
Available nowW-2 Plus Business Transition
If you recently left W-2 employment, some lenders accept your last W-2 plus current business documentation.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200New business? Your income still counts.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
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Frequently Asked Questions
With bank statement loans, 12 months of deposits may be sufficient. Traditional programs require 2 years of tax returns.
Bank statement programs use your deposits. Traditional programs use your net self-employment income after deductions. The approach matters significantly for qualifying.
Bank statement loans focus on deposits, not tax profit/loss. If your bank deposits show strong income, a paper loss on your taxes does not prevent qualification.
New business? Your income still counts.
We will reach out at a time that works for you. No pressure, no obligation.