Why should you get a bank statement loan with Beeline?
Approval based on your deposits — the way North Carolinians in banking, tech and construction actually get paid.
Apply in 10 minutes
Fast, stress free closing
Purchase with confidence
Qualify with irregular income
Min 660 credit score
Future-proof your rate with a free refi*
Lock in your North Carolina home today with a speedy closing, and rest easy knowing you've got a free refi* waiting for when rates fall.
*Terms and conditions here
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Hundreds of happy homeowners
Great North Carolina income, lean tax returns — sound familiar?
Apply in less than 10 minutesBank deposits for incomeFor self-employed and gig workers
Built for North Carolinians
More loan choices, a better shot at the right North Carolina loan
- Minimum 20% down payment
- At least 2 years’ self-employment
- For primary, second and investment
- Traditional lenders want two clean years of tax returns. Most North Carolina business owners don't work that way. We look at 12-24 months of bank deposits or 1099 income instead — often unlocking a bigger loan than a tax return would allow.
The shortest path home, from Charlotte to the Research Triangle — watch it unfold
All over North Carolina, self-employed buyers are skipping the paperwork — see how fast it goes.