Are you self-employed and ready to buy a home? Traditional mortgage requirements can be tough for those with fluctuating income or significant business write-offs. At Capital City Home Loans, we offer self-employed bank statement loans that can make your financial goals a reality.

We offer these loans in each state where I am licensed: Georgia, Florida, Tennessee, Alabama, North Carolina, South Carolina, and Virginia.

Benefits of Our Self-Employed Bank Statement Loan Program:

• Qualify Based on Bank Statements: Show your income potential with 12-24 months of business or personal bank statements. No need for tax returns.
• Focus on Income, Not Write-offs: Tax write-offs can lower your taxable income, but not your ability to repay a loan. Our program considers your overall deposits.
• Streamlined Process: Avoid the hassle of complex tax documents. Bank statements simplify the application process.
• Fast Approvals: Get pre-approved quickly so you can act fast on your dream home.
• Competitive Rates: Enjoy competitive interest rates designed for self-employed borrowers.
• Fixed Rates and ARMs: We offer 30 year fixed rates as well as a menu of ARM products for our bank statement loans.
• Buy, Build, or Refi: These loans can be used for purchases, refinances, or construction-perm loans.

Unlock the Potential of Homeownership

Don’t let tax write-offs hold you back from owning your dream home. We are a local Saint Simons Island mortgage lender, but our reach is across the Southeast.

Our self-employed bank statement loan program is the perfect solution for freelancers, independent contractors, and business owners wherever you call home.

Contact me today to get started on your pre-approval, click the Quote Request, or Apply Online!