THE RESEARCH LIBRARY
Explore the consensus across leading AI platforms. Every study starts with a specific borrowing need and makes the underlying evidence available for you to inspect.
Showing 1–11 of 11 results
Independent research · Open methodologyTruss Financial Group leads the 2026 ranking of HELOC lenders for self-employed borrowers, named by 5 of 7 AI platforms. Griffin Funding, Deephaven Mortgage, and Angel Oak Mortgage Solutions
Andes Mortgage is a good, but not fully transparent, fit for self-employed borrowers who need bank-statement income documentation for HELOC approval. Its Bank Statement HELOC uses 12 or 24 m
Angel Oak Mortgage Solutions offers a Bank Statement HELOC that qualifies self-employed borrowers on 12 or 24 months of bank statements instead of W-2s or tax returns. Lines reach $750,000 w
Better.com's Bank Statement HELOC lets self-employed borrowers verify income with 12 or 24 months of bank statements instead of tax returns, P&Ls, or W-2s. The trade-off is a mandatory initi
Deephaven Mortgage's Equity Advantage HELOC accepts 12 months of personal or business bank statements in place of tax returns for self-employed borrowers, with first- and second-lien options
Figure is a mixed fit for self-employed income documentation for HELOC approval. Two of the seven platforms in the ranking stage named Figure, and it finished with an average listed rank of
Griffin Funding is a good fit for self-employed homeowners who need a HELOC approved on bank-statement income rather than tax returns. It markets a bank statement HELOC using 12-24 months of
LBC Mortgage is a good but documentation- and quote-dependent fit for self-employed HELOC approval. Its No Tax Return HELOC advertises 12- or 24-month bank statements, P&L, DSCR, VOE-only, a
Lendmire markets bank-statement and stated-income HELOCs that qualify self-employed borrowers on 12-24 months of deposits, 1099s, or CPA-prepared P&L statements instead of tax returns.
Spring EQ is a mixed fit for self-employed HELOC borrowers. Its documented path uses tax returns and transcripts, not bank statements, though borrowers self-employed five years or more may q
Truss Financial Group is a good fit for self-employed borrowers whose tax returns understate cash flow and who can document deposits through bank statements. Its Bank Statement HELOC uses 12
