Bank statement loans in Massachusetts provide self-employed borrowers and real estate investors with mortgage financing based on cash flow documentation rather than traditional income verification methods.

These non-QM programs analyze deposits from personal or business bank statements to determine qualifying income, making them particularly valuable for borrowers with complex income structures, seasonal earnings, or significant business write-offs that reduce their taxable income.

Massachusetts borrowers can use bank statement loans for primary residences, second homes, and investment properties, with underwriters calculating income by applying expense ratios to deposit patterns. The programs accommodate various business structures including sole proprietorships, partnerships, and corporations, while also serving gig economy workers and commission-based professionals.

theLender offers bank statement loan programs that accept either 12 or 24 months of bank statements for income documentation.