The 3-Month Bank Statement Homeownership Program
Are you self-employed and searching for a "3-month bank statement mortgage"? Discover the DreamBuilder program—your direct path to homeownership without the hurdles of traditional loans.
Is This Program For You?
If you've been looking for a 3-month bank statement mortgage, you're in the right place. Our program is tailor-made for individuals with non-traditional income.
Self-Employed Professionals
Showcase your true income through your cash flow, not just your tax returns.
Freelancers & Gig Workers
Your variable income is understood and welcomed. We look at your recent success.
Business Owners
Use your business or personal bank statements to qualify for your dream home.
A Better Path Than a Bank Statement Mortgage
Our streamlined process makes homeownership simpler and more accessible.
Submit 3 Months of Bank Statements
We analyze your recent income history to determine your qualifying home budget. No tax returns needed.
Get Your Home Budget
Receive a clear, approved budget so you can shop for your dream home with confidence.
Move In & Build Equity
Move into your new home and start building equity immediately, paving your way to full ownership.
Why DreamBuilder is the Smarter Choice
You were close to qualifying. Here's how our program bridges the gap where a typical bank statement mortgage falls short.
DreamBuilder Program
Income Docs
3 Months Bank Statements
Credit Score
Flexible, <580 Considered
Down Payment
As low as 3.5%
Equity Building
From Day 1
Path to Ownership
Structured path to full ownership
Typical Bank Statement Mortgage
Income Docs
12-24 Months Bank Statements
Credit Score
Often Requires 680+
Down Payment
Typically 10-20%
Equity Building
From Day 1
Path to Ownership
Immediate ownership
Your Questions Answered
Is this a 3-month bank statement mortgage?
While our program is not a traditional mortgage, it's designed as a superior alternative for those seeking one. We use 3 months of bank statements for qualification, just as you'd hope for with a bank statement mortgage, but offer a more flexible and accessible path to homeownership.
What if my income fluctuates?
That's perfectly fine. Our program is built for entrepreneurs and self-employed individuals whose income can be variable. We analyze your 3-month average to get a realistic picture of your earnings.
Can I use business bank statements?
Yes, you can use either personal or business bank statements to qualify for the DreamBuilder Homeownership Program. We'll work with you to determine the best option.
Stop Searching. Start Owning.
Your search for a flexible "3-month bank statement mortgage" ends here. Take the first step with a program that understands your entrepreneurial spirit.
See If You Qualify