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 client's 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.
I specialize in self-employed lending. This is my core business, not a side offering. When your client calls a bank and gets denied because their tax returns show $40,000 but their bank deposits show $200,000, I am the lender who gets them approved.
Why CPAs Refer Clients to Me
The CPA-Mortgage Problem
The situation: Your self-employed clients reduce taxable income through legitimate deductions and write-offs.
The problem: Traditional lenders qualify based on tax return AGI, so your clients get denied despite making good money.
The solution: Bank statement loans qualify on actual deposits. No tax returns reviewed. No restructuring your tax strategy.
Your clients make good money but their tax returns do not reflect it. That is by design. You structured their taxes to minimize liability. Traditional lenders deny them based on the same AGI you worked to reduce.
Bank statement loans solve this without restructuring their tax strategy. The lender reviews 12 to 24 months of bank deposits instead of tax returns. Your client qualifies based on actual cash flow. Their tax filing stays exactly as you prepared it.
Minimal time commitment from you. The referral takes less than a minute. If a CPA letter is needed, it takes about 5 minutes. The rest of the process is handled entirely by me.
Self-employed lending is the core business. This is not an afterthought. I work with self-employed borrowers every week. I know which lenders have the best programs, the most competitive rates, and the fastest turnaround for these files.
Start Referring Your ClientsSelf-Employed Loan Programs Your Clients Need
| Program | How It Works | Requirements |
|---|---|---|
| Bank Statement Loans | 12-24 months of bank statements replace tax returns | 620+ credit, 10% down |
| 1099 Income Programs | 2 years of 1099 forms used for qualification | Independent contractors with consistent 1099 income |
| P&L Only Programs | CPA-prepared profit and loss statement for qualification | No bank statements or tax returns needed |
| Asset Depletion | Qualifies on liquid assets rather than monthly income | High-net-worth clients with complex income |
| DSCR Loans | Qualifies on rental property income, not personal income | No tax returns, no employment verification |
Each program serves a different client profile. Some of your clients will qualify for bank statement loans. Others may need a P&L-only program or asset depletion. I determine the best fit during the qualification process and match them with the right lender from my network of over 100 wholesale partners.
See also: Non-QM Loans Houston | Investment Property Loans | Self-Employed Mortgage Houston
How the Referral Process Works
- You refer your client to me. Call 832-997-1527, email [email protected], or send them this page. That is the extent of your involvement at this stage.
- I contact them within 24 hours. I review their financial picture, pull credit, and identify which program fits their situation. Your client gets a clear answer on what they qualify for and what it will cost.
- I match them with the right program. Bank statement, 1099, P&L, asset depletion, or DSCR. I shop their file across 100+ lenders for the best rate and terms.
- If a CPA letter is needed, I provide the template. You get the exact language in advance. The letter confirms factual information only. No income projections, no financial guarantees.
- You sign the letter. Five minutes. Standard verification language confirming your client relationship, business type, years in operation, and active status.
- I handle everything else. Application, processing, underwriting, closing. Your client gets funded. You keep your tax strategy intact.
What Your Clients Get
A lender who understands self-employed income. Your clients will not have to explain their business structure three times to someone who has never processed a bank statement file. Self-employed lending is what I do every day.
Qualification based on bank deposits, not tax return AGI. The income your clients actually earn is the income they qualify on. Their tax strategy stays intact.
Same-day pre-approval. Your client gets a pre-approval letter the day they provide their documents. For complex files, turnaround is within 24 hours.
Access to 100+ lenders for the best rate and terms. As a mortgage broker, I shop every file across my lender network. Your client gets the best deal available, not the only product a single bank offers.
Bilingual Vietnamese service. Houston has a large Vietnamese business community. I serve these clients in their language.
Available 7 days a week. Self-employed clients do not keep banker's hours. Neither do I.
Bank Statement Loan Overview for CPAs
This section covers the mechanics of bank statement lending from a financial professional's perspective. If your clients ask you about these programs, here is what you need to know.
How deposits are calculated. The lender totals all deposits over 12 or 24 months of bank statements. An expense factor is applied to arrive at qualifying income. The typical expense factor is 50% for self-employed borrowers, meaning if total deposits are $300,000 over 12 months, qualifying income is calculated at $150,000 per year.
Personal vs business accounts. Business accounts typically show higher deposit volume. Some lenders only accept business accounts. Others accept both personal and business. The choice of account type can affect the expense factor applied.
Expense factor details. The expense factor varies by lender, typically ranging from 40% to 50%. A CPA letter can sometimes override the standard expense factor if you can document that the client's actual business expenses are lower than the default assumption. This can increase qualifying income.
Documentation the lender pulls. Bank statements (12 or 24 months), verification of deposit (VOD), and a credit report. No tax transcripts. No 4506-T. No W-2s. The loan file does not contain or reference the borrower's tax return in any way.
Why this does not create risk for your tax strategy. The bank statement loan exists in a separate lane from the tax return. The lender is looking at cash flow through the bank, not taxable income. Your client's deductions, write-offs, and depreciation schedules remain exactly as filed. Nothing about the mortgage process requires changes to current or prior tax returns.
Read more: Bank Statement Loans Houston | Bank Statement Loan Checklist
CPA Letter Requirements
Not every bank statement loan requires a CPA letter. When one is needed, here is exactly what it involves.
What the Letter Must Include
1. Confirmation that the borrower is a client of your firm
2. Borrower's business name and type (sole proprietorship, LLC, S-corp, etc.)
3. Years the borrower has been self-employed
4. Confirmation the business is currently operating
What the Letter Does NOT Need to Include
No income projections
No revenue figures
No profitability statements
No information that creates financial liability for the CPA
That is the full scope of what is asked of you. The letter confirms facts you already know about your client. I provide the exact template language before you sign anything, so there are no surprises. If you have questions about specific wording, call me at 832-997-1527 and I will walk through it with you.
Frequently Asked Questions
What is a CPA letter for a mortgage?
A brief letter confirming your client is self-employed, their business type, and how long they have been in operation. It verifies facts you already know. It does not project income, guarantee profitability, or make any financial representations beyond confirming the business relationship and current active status.
Does signing a CPA letter create liability for me?
The standard CPA verification letter only confirms factual information: the client relationship exists, the business type, years in operation, and current active status. It makes no financial projections and no income representations. I provide the exact template language so you know exactly what you are signing before you agree to anything.
How much time does this take on my end?
About 5 minutes to sign a CPA letter if one is needed. The initial referral itself takes less than a minute. You call, email, or send your client this page and I handle everything from there. Most of the process requires zero involvement from you after the initial referral.
What is a bank statement loan?
A mortgage that qualifies borrowers based on 12 to 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 the adjusted gross income on their tax return. This means your client keeps their tax strategy intact while still qualifying for a mortgage. Read more on the bank statement loans page.
Do all self-employed borrowers need a CPA letter?
No. Many bank statement loan programs do not require a CPA letter at all. Whether a letter is needed depends on the specific lender and program. I determine this during the qualification process and only reach out to you if a letter is actually required.
How do I refer a client?
Call 832-997-1527, email [email protected], or send your client this page. I contact them within 24 hours to review their financial picture and match them with the right loan program. You can also fill out the contact form below.
Start Referring
Fill out the form below or call me directly at 832-997-1527. I will reach out within 24 hours to discuss how we can work together.
Refer Your Clients
Or call directly: 832-997-1527
See also: Realtor Partner Program | Self-Employed Mortgage Guide | 1099 Contractor Mortgage Guide