The Hogue Team / Bank statement income
See qualifying income from your deposits.
If write-offs shrink tax-return income, bank-statement programs may look at eligible deposits instead. Estimate the income math — then we verify the file together.
Estimated qualifying income
$10,000 / month
About $120,000 / year — illustration only, not an underwriting decision.
Using the 50% default expense factor. If your business runs leaner, a CPA letter with your real expense ratio can raise qualifying income — often the highest-leverage move on a bank-statement file.
Review my self-employed plan →Explore first. We’ll verify eligible deposits and program rules on a real file.
Bank-statement / non-QM methods, expense factors, eligible-deposit rules, DTI, rates, and reserves vary by lender and change over time. Home-price estimate uses a simplified payment model. Not a quote, preapproval, or guarantee.
The Hogue Team at CMG Home Loans · Huntington Beach · Nick Hogue NMLS #1381754 · (657) 502-9669