Unlock Homeownership with Just Your Bank Statements — No Tax Returns Needed!
Are you self-employed and ready to buy your dream home in Pennsylvania?
At First USA Mortgage Solutions, we understand that your tax returns don’t always tell the full story of your financial success. That’s why we offer flexible bank statement mortgage programs — helping entrepreneurs, freelancers, and business owners qualify based on total bank deposits instead of traditional income documents.
Forget the paperwork headache.
Your hard-earned cash flow can open the door to homeownership today!
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No tax returns, W-2s, or paystubs required
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Qualify using 12–24 months of business or personal bank statements
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Ideal for self-employed individuals, freelancers, and entrepreneurs
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Fast underwriting and flexible loan programs
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Competitive rates designed for non-traditional income
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Personalized support from Pennsylvania-based mortgage experts
Instead of verifying your income with tax returns, lenders look at your total monthly deposits over the past 12–24 months.* This provides a clearer, more realistic picture of your financial strength — and makes it possible to qualify for a home loan even if your tax returns show lower income.
Whether you're a business owner, consultant, gig worker, or freelancer in Pennsylvania, this could be your key to homeownership.
How It Works
*Minimum credit score requirements apply: 660 for 12 months of bank statements, 640 for 24 months. All loans are subject to underwriting approval.
Next steps
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Schedule Your Free Consultation
Fill out the form to start your journey. One of our experienced advisors will reach out to discuss your needs.
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Get Pre-Approved
We’ll walk you through a quick and easy pre-approval process tailored to your situation.
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Close on Your Dream Home
With our expert guidance, you’ll secure the right mortgage and move in with confidence!
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Try our free mortgage calculator!
Is this for you?
Not everyone qualifies for the best mortgage solutions. We work with homebuyers who:
Have already found a home or are actively searching
If you’re just browsing or you’re serious about buying, we can help you secure the right financing.
Want a mortgage plan tailored to their financial goals
We don’t believe in one-size-fits-all loans. Our expert advisors help you find a mortgage that works for your unique situation.
Are looking for expert guidance, not just the lowest rate
A mortgage is more than just a number. We provide clear, transparent advice to help you make the smartest long-term decision.
Understand that a good mortgage is an investment, not just an expense
If you’re focused only on the “cheapest option,” this may not be the right fit. We work with buyers who value smart, strategic mortgage planning.
Why Choose First USA Mortgage Solutions?
Fast and Easy Process
Start with a simple application and take the next step toward your dream home.
No Hidden Fees
Transparent from start to finish—no surprises, just straightforward guidance.
Personalized Service
Work with a dedicated mortgage expert who guides you every step of the way.
Multilingual Support
Helping you navigate the process in multiple languages.
Get Prequalified for Your Mortgage in Minutes
Ready to take the next step toward your dream home? Your dream home in Pennsylvania is closer than you think. Let’s turn your bank statements into a mortgage approval — fast, easy, and stress-free.
Start by getting prequalified with First USA Mortgage Solutions. Fill out our simple form, and we’ll review your information to provide tailored mortgage options—without impacting your credit score.