If you’re self-employed and looking to purchase or refinance a home in Chino Hills, traditional mortgage options can be limiting. That’s where business bank statement loans come in — offering flexibility and a path to homeownership without the need for tax returns.
At NestMade Mortgage, your local mortgage broker in Chino Hills, CA, we specialize in helping business owners secure the financing they need with smart, non-traditional loan solutions.
What Is a Business Bank Statement Loan?
A business bank statement loan is a type of non-QM (non-qualified mortgage) loan designed for self-employed individuals, entrepreneurs, and independent contractors who may not show enough income on tax returns to qualify for conventional loans.
Instead of tax documents, lenders evaluate 12–24 months of business or personal bank statements to determine your average monthly income.
Key Benefits:
- No tax returns or W-2s required
- Flexible income verification
- Ideal for small business owners, freelancers, and 1099 earners
- Faster approvals with minimal paperwork
Why Work with a Mortgage Broker in Chino Hills, CA?
Chino Hills is a competitive real estate market, and navigating mortgage options can be overwhelming. That’s why working with a mortgage broker like NestMade Mortgage gives you the edge.
We Offer:
- Access to multiple mortgage lenders and loan products
- Tailored guidance for self-employed borrowers
- Faster, personalized pre-approvals
- Local insights into Chino Hills real estate trends
Whether you’re buying near The Shoppes at Chino Hills, Carbon Canyon Park, or any of the city’s sought-after neighborhoods, we’ll help you find the best-fit loan for your financial picture.
Is a Business Bank Statement Loan Right for You?
You might be a good candidate if:
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- You own a business or work as a contractor
- Your tax returns don’t reflect your true income
- You’ve been self-employed for at least two years
- You want an alternative to traditional income documentation
At NestMade Mortgage, we take time to understand your unique financial situation and connect you with lenders that offer the flexibility and terms you need.
How the Process Works with NestMade
Working with us means working with a trusted mortgage broker who simplifies the entire process:
- Initial Consultation
- Schedule a free consultation so we can understand your goals and review your business bank statements.
- Income Review
- We calculate your average monthly deposits and match you with lenders that meet your needs.
- Loan Match & Pre-Approval
- Get pre-approved and understand your purchasing power before shopping for homes.
- Close with Confidence
- We guide you from approval to closing, ensuring a smooth experience every step of the way.
Why Choose NestMade Mortgage?
As a Chino Hills-based mortgage broker, we understand the needs of local business owners better than most. We offer:
- Deep experience with non-QM products
- Access to multiple bank statement loan programs
- Transparent communication and timely updates
- A strong reputation within the Chino Hills community
Disclaimer: All mortgage loans are subject to credit approval and program guidelines. This blog is for informational purposes only and does not constitute financial advice. Always consult a licensed loan officer for personalized guidance.
Get Started with NestMade Mortgage Today!
The right broker can save you thousands and simplify your home purchase. NestMade Mortgage offers exceptional service and competitive rates. Contact us to begin!
📍 Visit Us: 13925 City Center Dr, Suite 200, Chino Hills, CA 91709
📞 Call Us: (626) 262-4321
