Serving every city Georgia and County Georgia in GA including Atlanta city Georgia, Augusta-Richmond , Columbus city Georgia, Savannah city Georgia, Athens-Clarke, Sandy Springs city Georgia, Macon city Georgia, Roswell city Georgia, Albany city Georgia, Johns Creek city Georgia, Warner Robins city Georgia, Alpharetta city Georgia, Marietta city Georgia, Valdosta city Georgia, Smyrna city Georgia, Dunwoody city Georgia, Rome city Georgia, Peachtree city Georgia , Gainesville city Georgia, East Point city Georgia, Hinesville city Georgia, Dalton city Georgia, Newnan city Georgia, Milton city Georgia, Douglasville city Georgia, Kennesaw city Georgia, LaGrange city Georgia, Lawrenceville city Georgia,

Are you  Self-Employed and seeking a mortgage to purchase a home?Generally, you are self-employed if any of the following apply to you.

Bank Statement Only Georgia Mortgage Lenders 

Have a self-employed client who has had difficulty obtaining a mortgage?

Georiga Mortgage Lenders Bank Statement Program allows self-employed borrowers the ability to qualify based on a 12 or 24 month average of deposits using their personal or Georiga business bank account.

  • – No Tax Returns Required 
  • – Personal Bank Statement qualified base 24 month average monthly deposits
  • – Business Bank Statement qualified based on 24 month average monthly deposits.
  • – 600 Minimum Credit Score
  • – Up to 90% LTV (No MI) allowed on Personal and Business 
  • – Loans to $3 Million (Minimum $150,000) 
  • – 5/1 ARM or 30-year fixed 
  • – No Seasoning for Foreclosure, Short Sale, Bankruptcy, Deed In Lieu 
  • – Owner-Occupied, 2nd Homes, Investment Properties allowed 
  • Non-Warrantable Georgia Condos Are OK!
    – Gift Funds OK!
    – No Pre-Pay Penalty for Primary Owner-Occupied and/or 2nd Homes 
    – SFRs, Townhomes, Condos, 2-4 Units 

Self-employed Georiga Business Owner? And having trouble getting approved for a Georiga mortgage?

There are many advantages of being self-employed including not answering to a “boss,” making your own decisions, hours, time off is all Great! Until it comes time to apply for a Georiga mortgage because Georiga mortgage lenders are very concerned about projecting your future income. which is hard for the Georiga self-employed homebuyers o verify when you write off all your income.


Self Employed Georiga borrowers are no more or less risky then salaried or W-2’d workers. The main challenge for the Self-Employed Georgia is documenting work history and income. This is the biggest difference between a conventional borrower and a Self-Employed Georiga borrower. How can Self Employed Georgia borrowers document their income and work history when they do not show any income on their taxes?

  • 12 or 24 Months Business or personal bank statements only!
  • Last 2 years personal and business tax returns
  • Proof of 2 years Self Employed Georgia by showing either a business license or with a CPA letter
  • Personal and or Business Bank statements
  • Year to date profit and loss report
  • 2 years of Credit references if needed for business


Many Georiga business owners and self-employed borrowers face special challenges when seeking to finance for a Georiga home. There are a variety of programs available to self-employed borrowers and  Mortgage lenders is proud to offer them all to all Georgia business owners. Working with Georgia business owners and entrepreneurs is very exciting. We take pride in being able to offer aggressive self-employed Georgia loan programs to our self-employed Georgia mortgage applicants. Please fill out our full mortgage applicants so we dig deeper into the choices and special circumstances of bank statement only Georgia mortgage programs.

On a fully documented loan such as this, the Georgia mortgage lenders lender will consider the “net” income of the individual after deductions. This can be a challenge for some small business owners. If documenting your income via tax returns is a problem don’t work we can offer a 12 or 24 months bank statement only Georgia mortgage program!

Other info of Georgia  Self Employed

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We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on and counting, you’re assured of having the backing of an experienced team.

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