Who this may help
These pages are educational and designed to help you understand potential paths before scheduling a personalized review.
Who this is for
- Business owners whose tax returns do not show the full picture
- 1099 contractors and consultants
- Borrowers with W2 plus bonus, commission, or RSU income
- Clients declined by a bank because income was considered too complex
Common options
- 12-month bank statements
- 24-month bank statements
- 1099 income
- P&L review where available
- W2 income
- Bonus income
- RSU income
- Non-QM
- Non-conforming
Next step
Gather income, property, credit, and objective details. Then request a scenario review so Michael can help identify which available path may fit.
Review My ScenarioBenefits of a second look
Review alternatives to traditional tax-return-only underwriting
A practical review focused on your objective and documentation.
Explore 12- or 24-month bank statement options where available
A practical review focused on your objective and documentation.
Evaluate income sources like 1099, bonus, RSU, and asset depletion
A practical review focused on your objective and documentation.
Get a second look after a bank decline
A practical review focused on your objective and documentation.
Common questions
Can self-employed borrowers qualify without traditional tax-return income?
Some programs may review alternative documentation such as bank statements or other income documentation, subject to program requirements.
What are bank statement loans?
Bank statement loans may review business or personal deposits over a defined period instead of relying only on traditional tax-return income.
Can RSU or bonus income count?
Bonus and RSU income may be reviewed depending on history, vesting, employer documentation, and program guidelines.
Related loan programs
Request a scenario review.
Share a few details and request a call. Do not include sensitive personal information beyond what is requested.
Michael Ciglar
NMLS #240274
925-998-5478
MCiglar@loandepot.com