Self-Employed
Self-Employed Refinance
Self-employed homeowners refinancing rate/term or cash-out
Self-Employed
Self-Employed Refinance
Overview
Self-employed homeowners refinancing don't have to default back to tax-return documentation. Bank-statement, 1099, and P&L paths generally remain available for a refinance, whether the goal is a better rate, a shorter term, or accessing equity.
Documentation paths
- Bank-statement, 1099, or P&L documentation
- Current mortgage and lien verification
Common use cases
- Rate/term refinance for a self-employed homeowner
- Cash-out refinance using deposit-based income
Things to consider
- Cash-out amounts are limited by combined loan-to-value and program guidelines.
Frequently asked questions
Can I do a cash-out refinance with bank statements?
In many scenarios, yes, subject to full underwriting review of income, equity position, and program guidelines.
Related programs
- RefinanceRate/term and cash-out refinance paths for conventional, government-backed, and complex-income borrowers.
- Bank Statement LoansQualify using 12–24 months of personal or business bank deposits instead of tax returns.
- Cash-Out RefinanceReplace your current mortgage with a new, larger loan and receive the difference in cash.
Next step
Ready to talk it through?
A QuestRock specialist can walk through this program against your specific scenario — no commitment required.
Refinance terms and eligibility vary by borrower and program and require full underwriting review.
Written by QuestRock Content Team · Reviewed by Pending compliance sign-off · Last reviewed July 29, 2026