Bank Statement Loans
Mortgage companies need to verify your income before they'll approve you for a home loan. They usually do this by looking at your W-2 and tax returns.
That can be a problem if you work for yourself. Independent contractors, including business owners, freelancers, and seasonal or gig workers likely won't have the tax forms needed for a traditional mortgage.
But if you have non-traditional income, you might be able to get a "bank statement mortgage." That means you prove your income by showing one or two years of regular deposits into your bank account.
Unlike a traditional mortgage, you can qualify for a bank statement home loan with your bank statements rather than a tax return.