A Mortgage That Understands Your Business
We help self-employed professionals and freelancers like you get approved for the home you've earned.
Get Your Prequalification
The Self-Employed Catch-22
The Problem:
Traditional lenders often only look at your net income on tax returns after write-offs. While smart for business, this approach doesn't reflect your true financial strength and can make securing a mortgage surprisingly difficult.
Our Solution:
At Unik Filen, we see your full financial picture. We use alternative income documentation, like 12 or 24 months of bank statements, to verify your gross revenue and qualify you based on your business's actual cash flow, not just what's reported on your tax returns.
Introducing: The Bank Statement Loan Program
No Tax Returns Required!
Our flagship program for business owners, entrepreneurs, and freelancers. We analyze your business or personal bank statements to determine your income, bypassing the need for W-2s or complex tax documents. It's a game-changer designed specifically for your unique financial situation.
Qualify by Cash Flow
We focus on your actual business inflows, painting a more accurate picture of your ability to repay.
Loans Up to $3 Million
Access significant financing to secure the home or investment property you truly desire.
Purchase or Refinance
Whether buying new or optimizing existing property, our program supports your goals.
How to Prepare for Your Application
- Organize Your Bank Statements (12-24 recent months): Having these readily available streamlines the process.
- Prepare a Profit & Loss (P&L) Statement: We can provide a simple template to ensure accuracy and completeness.
- Maintain a Stable Bank Balance: Consistent cash flow demonstrated through your statements is key.
- Separate Business and Personal Expenses (if possible): This helps clarify your business's financial health.
"After being turned down by two big banks because of my business write-offs, I was so discouraged. Unik Filen's bank statement program was exactly what I needed. They understood my business and I was approved in two weeks. It was such a relief!"- Emily Carter, Owner of an Online Boutique
Let's Review Your Financial Picture
Stop getting rejected by lenders who don't understand your entrepreneurial success. Get a free, confidential review from a dedicated self-employed mortgage specialist at Unik Filen today.
Request a Free Consultation