Documents
Send your statements
Twelve or twenty-four months of business or personal bank statements — typically in place of tax returns and W-2s.
Powered by Cornerstone First Mortgage · NMLS #173855
Serving self-employed borrowers in all 50 states.
Buy your home on your bank statements — not your tax returns.
For business owners, contractors, and 1099 earners across the country: qualify using 12 or 24 months of bank statements instead of tax returns and W-2s in most cases — on a purchase or a refinance.
How it works
Qualify on 12 or 24 months of bank statements.
In place of tax returns and W-2s in most cases — on a purchase or a refinance. Your bank statements tell the real story of what you earn.
Who it’s for
Self-employed. Finally lender-ready.
Built for owners, contractors, and 1099 pros — the income traditional lenders overlook.
12 or 24-month statements
Purchase or refinance
Self-employed friendly
Get your number
See what you qualify for.
The quick form takes about 60 seconds — Scott follows up personally with your real options.
The loan journey
Three steps, built around how you actually earn.
Traditional underwriting punishes healthy write-offs. A bank-statement loan reads your real cash flow instead.
The read
Get pre-qualified
Scott averages your real deposits and matches the program you genuinely fit. One clear number, one straight answer.
Keys
Close with confidence
Purchase or refinance, closed through Cornerstone First Mortgage’s bank-statement loan programs.
Apply Now
Your application runs on Cornerstone’s secure portal. All loans subject to program guidelines and underwriting.
Underwriting built around how you actually earn.
Who it fits
Made for income that a W-2 can’t explain.
If your tax returns understate what you really bring home, this program was designed with you in mind. A few profiles that tend to be a good fit:
Business owners & LLC members
Especially if you write off aggressively and your net income looks smaller than your cash flow.
1099 contractors & freelancers
Independent income that doesn’t fit the standard employment box lenders expect.
Gig, commission & seasonal earners
Deposits that rise and fall through the year can often still support a qualifying average.
Self-employed professionals & investors
Consultants, tradespeople, and real-estate investors who run their income through their own accounts.
Typically ~2 years self-employed
A roughly two-year track record is common; shorter histories are reviewed case by case.
Credit & down payment still matter
Terms vary with your credit profile and down payment. Scott can walk you through where you stand — no guarantees, just a clear read.
Scott’s track record
18Years in mortgages
800+Loans closed
$400M+Loan volume
See if you qualify
Tell Scott a little about your situation.
A quick, no-obligation snapshot — no documents, no credit pull here. Scott follows up personally to talk through your options.
Thanks — Scott will reach out.
Your details are on their way. In the meantime, you can start your secure application any time.
Your loan officer
Scott Jacobs
Arizona’s Future First Mortgage branch
Scott Jacobs has spent 18 years in mortgage lending, guiding borrowers through every kind of market. Today he leads Cornerstone First Mortgage’s Arizona branch — Future First Mortgage — from his Scottsdale office on Hayden Road, open since April 2025. He specializes in bank-statement and self-employed lending, and also originates conventional loans when that’s the better fit. Ask him anything about your situation; you’ll get a straight answer, not a sales pitch.
Scott Jacobs · NMLS #232479 · Cornerstone First Mortgage LLC (NMLS #173855)
Almost home.
Your income is real. Let’s get it recognized.
Start your secure application with Scott, or call to talk it through first. Either way, you’ll get a straight answer.