Bank Statement Loans in Colorado Springs

Bank statement loans in Colorado Springs offer a flexible solution for self-employed buyers, business owners, and entrepreneurs who can’t qualify using traditional income documents. If tax returns don’t reflect your actual earning power—or if write-offs reduce your qualifying income—this loan could be your best path to homeownership. [See if you qualify today.]

Instead of W-2s or tax returns, we use 12 or 24 months of personal or business bank statements to verify income. That means your cash flow tells the story—not your deductions. Whether you’re a freelancer, 1099 contractor, real estate investor, or small business owner, this loan is designed to work with how you actually earn.

Colorado Springs has a growing population of self-employed professionals in industries like contracting, tech, marketing, consulting, and creative services. These buyers often make strong income—but can’t get a traditional mortgage due to tax structure. That’s where our bank statement programs come in. [Get started now.]

What Is a Bank Statement Loan?

• Qualify using bank statements only

• No W-2s or tax returns required

• Can use personal or business accounts

• Typically requires 10–20% down

• Available for primary, second home, or investment properties

Who Bank Statement Loans Are Best For

• Self-employed business owners and sole proprietors

• Freelancers and 1099 contractors

• Buyers with substantial deposits but complex tax returns

• Real estate investors or independent consultants

• High-income earners using creative or alternative income

Why They Work in Colorado Springs

The Colorado Springs housing market includes many qualified buyers who don’t fit traditional lending boxes. Neighborhoods like Old North End, Rockrimmon, and Flying Horse attract successful entrepreneurs and self-employed professionals ready to buy—but underserved by banks. These programs offer real solutions, with fast approvals and smart underwriting.

We offer 12- or 24-month programs, multiple down payment options, and even interest-only payment structures to give you maximum flexibility. [Let’s talk about your options.]