You help your clients save money on taxes. That is your job, and you are good at it. The problem is that traditional mortgage lenders only look at taxable income, which means your clients' smart tax strategy becomes an obstacle when they try to buy a home. Bank statement loans fix this. They qualify borrowers based on actual bank deposits, not the adjusted gross income on their tax return. Your client gets to keep their tax strategy and buy a home.
Why CPAs Refer Clients to Me
- Your clients make good money but their tax returns do not reflect it. Traditional lenders deny them based on taxable income.
- Bank statement loans solve this without restructuring their tax strategy.
- You help them save on taxes. I help them buy a home without undoing your work.
- Minimal time commitment from you. The referral process takes 5 minutes.
- Brandon specializes in self-employed lending. This is the core business, not a side offering.
Self-Employed Loan Programs Your Clients Need
Bank Statement Loans
12 or 24 months of bank statements replace tax returns. Personal or business accounts accepted. 620+ credit, 10% down minimum. Learn more about bank statement loans.
1099 Income Programs
For independent contractors with 1099 forms. 2 years of 1099s used for qualification. Learn more about self-employed mortgage options.
P&L Only Programs
CPA-prepared profit and loss statement used for qualification. No bank statements or tax returns needed. This is where your direct involvement adds the most value.
Asset Depletion
Qualifies borrowers based on liquid assets rather than monthly income. For high-net-worth clients with complex income structures. See all non-QM options.
DSCR Loans (for Investor Clients)
Qualifies based on rental property income, not personal income. No tax returns, no employment verification. Learn more about DSCR loans.
How the Referral Process Works
- You refer your client to Brandon (call, email, or send them this page).
- Brandon contacts them within 24 hours.
- Brandon reviews their financial picture and matches them with the right program.
- If a CPA letter is needed, Brandon provides the exact template and requirements.
- You sign the letter (5 minutes, standard verification language).
- Brandon handles everything else from application through closing.
Minimal time investment from you after the initial referral.
Schedule a Quick Call to Get Started
What Your Clients Get
- A lender who understands self-employed income
- Qualification based on bank deposits, not tax return AGI
- Same-day pre-approval
- Access to 100+ lenders for best rate and terms
- Bilingual Vietnamese service
- 7-day availability
Bank Statement Loan Overview for CPAs
How deposits are calculated: Total deposits over 12 or 24 months. The lender may apply an expense factor (typically 50% for self-employed) to arrive at qualifying income.
Personal vs business accounts: Business accounts typically show higher deposits. Some lenders only accept business accounts. Others accept both.
Expense factor: Applied to gross deposits to estimate net income. Varies by lender (40-50% typical). A CPA letter can sometimes override the standard expense factor.
What documentation the lender pulls: Bank statements, VOD (verification of deposit), credit report. No tax transcripts, no 4506-T.
Why this does not create risk for your tax strategy: The bank statement loan is underwritten separately from the tax return. The lender does not request or review tax returns. The client's tax filing remains unchanged.
For full program details, see the bank statement loan page or the bank statement loan checklist.
CPA Letter Requirements
What the letter must include:
- Confirmation that the borrower is a client of your firm
- Borrower's business name and type (sole proprietorship, LLC, S-corp, etc.)
- Years the borrower has been self-employed
- Confirmation the business is currently operating
What the letter does NOT need to include:
- Income projections
- Revenue figures
- Profitability statements
- Anything that creates financial liability for the CPA
Template language: "This letter confirms that [Client Name] has been a client of [CPA Firm Name]. [Client Name] is self-employed as [Business Type] and has been operating since [Year]. The business is currently active."
This is a factual verification, not a financial guarantee. Brandon provides the exact template when needed.
Have questions about the letter? Call Brandon at 832-997-1527.
Related reading: Self-Employed Mortgage Guide | 1099 Contractor Mortgage Guide
Frequently Asked Questions
What is a CPA letter for a mortgage?
A brief letter confirming your client is self-employed, their business type, and years in operation. It verifies facts you already know. It does not project income or guarantee profitability.
Does signing a CPA letter create liability for me?
The standard CPA verification letter only confirms factual information: client relationship, business type, years in operation, current active status. It makes no financial projections. Brandon provides the exact template language.
How much time does this take on my end?
5 minutes to sign the letter when needed. The rest of the process is handled entirely by Brandon.
What is a bank statement loan?
A mortgage that qualifies borrowers based on 12-24 months of bank deposits instead of tax returns. It lets your self-employed clients buy a home based on actual cash flow rather than adjusted gross income.
Do all self-employed borrowers need a CPA letter?
No. Many bank statement programs do not require one. It depends on the lender and specific program. Brandon determines whether a letter is needed during the qualification process.
How do I refer a client?
Call 832-997-1527, email [email protected], or send your client this page. Brandon contacts them within 24 hours.
Related Programs
Depending on your investment strategy:
- Bank Statement Loans Houston
- Self-Employed Mortgage Houston
- Non-QM Loan Options Houston
- DSCR Loans Houston
- Realtor Partner Program
Start Referring Your Clients
Call Brandon directly or schedule a 15-minute call to discuss how the referral process works. Most CPAs are up and running in one conversation.
Schedule a Partner Call