Bank Statement Loans are designed for self-employed borrowers who may not qualify using traditional tax returns. By using 12 to 24 months of personal or business bank statements to verify income, this program makes homeownership accessible for business owners, freelancers, and independent contractors. The Bamman Team, located at 200 E 4th St Suite 500, Roswell, NM 88201, provides trusted local expertise to help you secure flexible mortgage solutions tailored to your financial lifestyle.
Bank Statement Loans are built for Roswell residents who work for themselves and may not qualify through traditional lending. By using your actual bank deposits instead of tax returns, The Bamman Team helps business owners, freelancers, and independent contractors secure financing with confidence.
Instead of relying on W-2s and pay stubs, these loans use 12 to 24 months of bank statements to verify income. This flexibility gives self-employed borrowers in Roswell the opportunity to qualify based on real cash flow rather than adjusted tax figures.
Bank Statement Loans often come with competitive rates and terms, allowing Roswell entrepreneurs to purchase or refinance without sacrificing affordability. The Bamman Team matches you with programs that align with your business and personal financial goals.
Whether you’re buying your first home, upgrading to a larger property, or refinancing your current mortgage, Bank Statement Loans provide a practical option. The Bamman Team ensures Roswell borrowers can access financing that works for both short-term needs and long-term plans.
Many self-employed buyers are denied mortgages because traditional underwriting does not reflect their real income. Bank Statement Loans break down these barriers, offering Roswell borrowers a clear path to homeownership and financial growth.
Located at 200 E 4th St Suite 500, Roswell, NM 88201, The Bamman Team specializes in helping self-employed clients navigate alternative mortgage programs. With local expertise and personalized service, we make the process of qualifying with bank statements smooth and straightforward.
Securing a mortgage as a self-employed borrower can feel overwhelming, but with the right team, the process becomes clear and manageable. The Bamman Team, located at 200 E 4th St Suite 500, Roswell, NM 88201, specializes in Bank Statement Loans that use real income from your deposits instead of relying only on tax returns. We take time to understand your financial picture, guide you through documentation, and match you with competitive programs designed for business owners, freelancers, and independent contractors. With trusted local expertise and years of mortgage experience, we make Bank Statement Loans a reliable solution for self-employed families across southeastern New Mexico.
Bank Statement Loans are designed for self-employed borrowers who may not qualify through traditional income documentation. The Bamman Team in Roswell answers the most common questions to help you understand how this flexible program works.
A Bank Statement Loan is a mortgage program that allows self-employed borrowers to use personal or business bank statements to verify income instead of tax returns. This makes it possible for Roswell business owners, freelancers, and independent contractors to qualify using real cash flow.
These loans are ideal for self-employed individuals whose tax returns do not accurately reflect their income due to write-offs or variable earnings. If you own a business, work as an independent contractor, or rely on 1099 income, this program could be a good fit.
Instead of W-2s or pay stubs, lenders review 12 to 24 months of personal or business bank statements. Deposits are averaged to calculate qualifying income. The Bamman Team helps Roswell borrowers prepare the right documentation to make the process smooth.
Most programs require a credit score of at least 620 to 660, though higher scores may qualify for better rates and terms. The Bamman Team reviews your credit profile and helps you find the best available options.
Yes. Roswell homeowners can use Bank Statement Loans to refinance their current mortgage, whether to lower monthly payments, access home equity, or restructure debt. This makes them a flexible option for long-term financial planning.
Rates can be slightly higher than conventional loans since these programs involve more flexible documentation. However, The Bamman Team works with multiple lenders in New Mexico to secure competitive terms that fit your financial goals.
Located at 200 E 4th St Suite 500, Roswell, NM 88201, The Bamman Team provides trusted local guidance for self-employed borrowers. We explain every step, help you prepare documentation, and connect you with tailored mortgage solutions that reflect your true income.
The Bamman Team with Geneva Financial, LLC offering personalized mortgage guidance solutions, fast customized quotes, great rates & service with integrity.
Brian Bamman NMLS #265635
Jane DeRose-Bamman NMLS #1823677
Copyright©2025 Geneva Financial, LLC, NMLS #42056
For complete licensing information, visit https://nmlsconsumeraccess.org/
Not a commitment to lend. All loans are subject to credit and underwriting approval. Additional terms and conditions apply. Not all applicants will qualify. AZ BK #0910215. Corporate Address: 180 S. Arizona Ave, Suite 310, Chandler, AZ 85225. Toll-Free: (888) 889-0009. Loan approvals, products, and interest rates may vary and are subject to change without notice. Geneva Financial, LLC is not endorsed by, or acting on behalf of HUD, FHA, USDA, VA, or any agency of the federal government. Equal Housing Lender.
