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Self-Employed? Contractor? Investor?

Is the Bank Statement Loan Program Right for You?

Are you buying a home or refinancing?

Where are you planning to buy a home?

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What is your full name?

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Enter your phone number and we'll text you a 6-digit security code to verify it's you. Standard texting and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions..

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By submitting this form, I/we agree to your Privacy Policy, Email and Mobile Policy, Terms of Use and authorize Churchill Mortgage Corporation and/or their Preferred Provider for our area and/or The Churchill Agency to receive the above information to assist in obtaining a home loan.

I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

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Thank you for choosing Churchill Mortgage to help you with your home loan needs!

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 How it Works: 

When applying for a loan, not everyone has traditional income documents like tax returns or W-2s. That’s where bank statement loans come in! Instead of tax documents, lenders use your personal or business bank statements—usually from the past 12 to 24 months—to figure out your monthly income. Here’s how it works:

Business Bank Statements

Lenders estimate your income by applying an expense ratio (often around 50%, but it can vary depending on your industry). This helps them determine how much of your deposits count as income after typical business expenses.

Personal Bank Statements

They simply total up your eligible deposits and divide by the number of months (12 or 24) to get your average monthly income.

Who Can Benefit from This?

This type of loan is especially helpful for:

  • Self-employed individuals
  • Gig workers and independent contractors
  • Real estate investors with strong deposits but lots of tax write-offs
  • Business owners with healthy cash flow but low reported taxable income

Key Advantages

  • No need for tax returns or W-2s
  • More flexible Debt-to-Income (DTI) ratios
  • May qualify for larger loan amounts

Things to Keep in Mind

  • Interest rates are usually higher than traditional loans
  • You might need a larger down payment (typically 10–20%)
  • You’ll need to show consistent income through your deposits