Bank Statement Loans (12-Month) for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, 12-Month Bank Statement Loans are specifically designed for self-employed borrowers across California who need flexible income documentation. Unlike traditional loans that rely heavily on tax returns and W-2s, these loans allow borrowers to qualify based on the deposits in their business or personal bank accounts over the past 12 months.
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Qualify Using Your Actual Cash Flow

With Tony McConnell at The Mortgage Krew, Bank Statement Loans (12-Month) evaluate the actual deposits into your bank account to calculate income. By reviewing your real cash flow, lenders can better understand your ability to make mortgage payments, providing a more accurate and fair assessment than tax returns alone. This approach is particularly beneficial for self-employed borrowers who have significant deductions or irregular income cycles. With Tony McConnell at The Mortgage Krew, we guide you in preparing your bank statements correctly to maximize your qualifying income and improve approval odds.
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Designed for Self-Employed Professionals

With Tony McConnell at The Mortgage Krew, these loans are tailored to meet the unique needs of self-employed professionals, business owners, and independent contractors. Whether you run a small business, consult independently, or have multiple revenue streams, a 12-Month Bank Statement Loan provides the flexibility to secure a mortgage without the constraints of traditional documentation. Tony McConnell at The Mortgage Krew ensures your application highlights your true financial capacity, giving you access to financing that aligns with both your business reality and homeownership goals.
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Benefits of 12-Month Bank Statement Loans

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Qualify Based on Cash Flow Use your actual bank deposits to determine income, not just tax returns.

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Ideal for Self-Employed Borrowers Perfect for freelancers, business owners, and independent contractors.

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Flexible Loan Structures Available for primary residences, investment properties, and multi-unit homes.

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Faster Approvals with Less Documentation Streamlined underwriting process reduces paperwork and closing time.
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Flexible Terms and Loan Options

With Tony McConnell at The Mortgage Krew, Bank Statement Loans (12-Month) come with flexible loan terms, including fixed-rate and adjustable-rate options, a range of down payment requirements, and competitive interest rates. Loan amounts can be structured to suit single-family homes, investment properties, or multi-unit residences. This flexibility allows self-employed borrowers to choose financing that fits their budget, investment plan, and long-term goals, while still qualifying even if taxable income appears lower than actual earnings.
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Why Choose Us

With Tony McConnell at The Mortgage Krew, self-employed borrowers across California receive mortgage solutions built specifically around real-world income, not rigid lending formulas. Traditional lenders often struggle to properly evaluate self-employment income, which leads to unnecessary denials or delays. At The Mortgage Krew, every loan strategy is designed to reflect how entrepreneurs, business owners, and independent professionals actually earn and manage money.

We are known for

We are known for offering alternative income options, including bank statement loans, P&L loans, 1099 income, asset utilization, and WVOE programs.

With Tony McConnell at The Mortgage Krew, every mortgage is structured around the borrower’s financial reality—not generic lender templates.

Clients choose The Mortgage Krew for honest guidance, clear expectations, and consistent updates throughout the loan process.

We are known for thorough preparation, lender-aligned submissions, and smooth closings that keep transactions on track.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

Yes. With Tony McConnell at The Mortgage Krew, self-employed borrowers have access to flexible loan programs such as bank statement loans, P&L loans, 1099 loans, asset utilization, and WVOE options designed specifically for non-traditional income.

Not always. With Tony McConnell at The Mortgage Krew, many programs allow qualification without tax returns, using alternative income documentation instead.

Yes. With Tony McConnell at The Mortgage Krew, zero down home loans and CalHFA FHA programs may be available for eligible California borrowers.

Yes. With Tony McConnell at The Mortgage Krew, ITIN Premier and ITIN Close Call loan programs are available for borrowers without a Social Security Number.

With Tony McConnell at The Mortgage Krew, properly prepared loans typically close within standard timelines, and proactive guidance helps avoid unnecessary delays.

Streamlined Process for Faster Approvals

With Tony McConnell at The Mortgage Krew, Bank Statement Loans (12-Month) are structured for efficiency. By focusing on bank deposits rather than extensive tax documentation, the loan process can be faster and more predictable, helping self-employed borrowers secure financing quickly and confidently. Tony McConnell at The Mortgage Krew works closely with each borrower to gather statements, verify deposits, and present your financial picture in the strongest possible way—reducing delays and increasing the likelihood of approval.