Bank Statement Loans in Lawrenceville, GA
Flexible Mortgage Solutions for Self-Employed Homebuyers
If you’re self-employed or don’t have traditional income paperwork like W-2s or pay stubs, getting a mortgage can feel like a challenge. That’s where a Bank Statement Loan can help.
A bank statement loan from Windward Mortgage is an alternative mortgage option that Georgia homebuyers can use to qualify without submitting traditional tax returns. Instead of IRS documents, borrowers provide proof of income through their personal or business bank statements, making it an excellent choice for self-employed individuals and business owners.
This type of loan falls under the Non-QM loans category (non-qualified mortgage), which simply means it’s a flexible solution for people who may not meet standard mortgage requirements but still have strong, consistent income.
Who Can Benefit from a Bank Statement Mortgage in Georgia?
A Bank Statement Mortgage Georgia is perfect for anyone with non-traditional income sources, including:
- Self-employed borrowers
- Freelancers and contractors
- Small business owners
- Consultants and gig workers
- Real estate agents or entrepreneurs
If you’ve ever asked yourself, “Can I get a mortgage with bank statements only?” The answer is yes, especially with the right lender by your side. These loans are often ideal for people looking for a self-employed home loan in Georgia that doesn’t rely on tax documents.
12-Month vs 24-Month Bank Statement Programs
Depending on your situation, you may qualify with either 12-month bank statement mortgage records or go with the more traditional 24-month bank statement mortgage option. Each has its own benefits, and our loan experts can help determine which fits you best.
How Bank Statement Loans Work Without Tax Returns
Unlike traditional mortgages, a mortgage without tax returns doesn’t require W-2s or pay stubs. Instead, lenders review the monthly deposits reflected in your personal or business bank statements to assess your income.
Here’s how it typically works:
- We analyze 12 or 24 months of business or personal bank statements
- We calculate your average monthly income from those deposits
- No need for tax returns, W-2s, or a profit and loss statement (in most cases)
This approach gives people access to home financing even if their tax documents show lower income due to deductions. It’s part of a growing demand for self-employed mortgage options across Georgia.
Bank Statement Loan Requirements in Lawrenceville, GA
If you’re interested in a bank statement loan Lawrenceville GA, here’s what you’ll generally need:
- 12 or 24 months of bank statements
- Proof of self-employment (business license, CPA letter, etc.)
- A decent credit score (usually 620+)
- A reasonable down payment (often 10–20%)
- Consistent income from your business or self-employed work
Accepted Types of Bank Accounts and Income Documentation
You can use:
- Business bank statements
- Personal bank statements
- In some cases, a profit and loss statement for mortgage qualification may help
These flexible rules make it easier for self-employed mortgage lenders like Windward Mortgage to work with a wide range of buyers.
Why Self-Employed Homebuyers Choose Windward Mortgage
At Windward Mortgage, we specialize in working with self-employed borrowers across Georgia especially in areas like Lawrenceville. Our team understands the unique challenges of getting approved for a home loan when your income doesn’t fit the traditional mold.
Here’s why clients trust us:
- ✔️ We offer top-rated bank statement loan programs Georgia
- ✔️ We’re experts in alternative documentation loans
- ✔️ We help you qualify without W-2s or tax returns
- ✔️ Fast, friendly communication with a focus on real results
- ✔️ Local knowledge of the Lawrenceville, GA market
We don’t just provide self-employed home financing—we provide a path to your next home, backed by real support.
Steps to Apply for a Bank Statement Loan with Windward Mortgage
Not sure how to start? Here’s a quick look at the process:
- Initial Consultation
We’ll go over your goals and review your income using your bank statements. - Document Collection
Provide 12 or 24 months of bank statements, a business license, and basic identification. - Loan Review and Pre-Approval
We’ll assess your eligibility and get you pre-approved for the best loan option. - Home Search and Offer
Once you’re pre-approved, partner with a trusted realtor to find the perfect home and submit a strong offer. - Loan Processing and Closing
We’ll manage all the paperwork and support you through every step of the closing process—so you can move in with confidence.
If you’re wondering about the steps to apply for a bank statement loan in Georgia, we’re here to walk you through each one making it as easy and stress-free as possible.
✅ Ready to Get Started?
If you’re self-employed and need a smart, flexible way to get a mortgage, a Bank Statement Loan could be your best option. At Windward Mortgage, we help people across Georgia including Lawrenceville qualify for home loans using their real income, not just tax forms.
📞 Contact us today for a free consultation and let’s talk about how we can get you into a home that fits your life.