Find your line. I'm a Portland broker with dozens of lenders, and every one of these lines ends at the same place.
Text me what you're working on503-317-7620, usually answered within the hourYou don't need to fill out an application to talk to me. Rather call? 503-317-7620
Bank statement loan
Qualify on 12 or 24 months of deposits, or a P&L, instead of your tax return's bottom line.
How this line works
Twenty years at this, and a lender list a lot longer than a bank's.
I've been originating mortgages in Portland since 2006, at the same company, on the same license, the whole time. Because I'm a broker I work with dozens of lenders rather than the handful of programs any one bank keeps on its shelf. So whether your file is completely straightforward or it's the kind that takes some figuring out, there's usually a good option on the table, and my job is to go find you the best one.
If somebody else is offering you a better deal than I can, or if I don't think I'm the right person for what you're doing, I'll tell you that on the first call rather than running your credit to find out.
A lot of what I do is ordinary, and I like those loans just fine. But twenty years in, the files that find their way to me tend to have something unusual about them, and sorting those out has turned into the part of the job I'm best at.
Your tax returns show what a good accountant made them show, and a bank reads that bottom number literally. But there are programs that look at your deposits instead (twelve or twenty-four months of bank statements, or a profit-and-loss statement), and they arrive at a very different figure. The income was always there, it just needed to be documented a different way.
Maybe it's a manufactured home in a park, or a property with acreage, or a condo in a building the lender doesn't like, or a place that needs work before anyone can live in it, or an ADU (accessory dwelling unit) you want to build out back. Every one of those has a real financing path behind it, it's just not the path most banks keep on the shelf.
Maybe you file with an ITIN (Individual Taxpayer Identification Number) instead of a Social Security number, or you're buying before you sell, or you're recently divorced and the paperwork is still mid-flight, or you've got plenty of assets and not much income on paper. All of that is normal, and I see it constantly. It just takes a lender who works those files regularly, and I know which ones do.
Everyone does conventional, FHA and VA, and I do too. In fact I'd rather put you into one of those if you qualify, because they're usually the best deal available. But here's the rest of the shelf, and twenty years of collecting lenders has made it a long one.
158 reviews across Experience.com, Zillow, Google and Facebook, and the same three things keep coming up over and over, so I'll let a few of them speak for themselves.
Read all 158 reviews"Communication is timely, clear, helpful, and kind. Couldn't ask for a better guide to walk you through all of the options and details of mortgage financing."
"Mark sent me regular updates on the loan status and was very good at answering any questions the few times I needed to call him. Very smooth process."
"Mark is amazing and I would recommend him to my clients any chance I get. He has great communication and always closes on time."
Rates move for reasons, and most mortgage marketing either ignores those reasons or spins them. What I do instead is walk through what actually happened that week (treasury auctions, inflation prints, Fed language, Fannie Mae's revised forecasts) and then what all of it means for somebody trying to buy a house right now.
Sometimes the news is bad, and when it is, I say so.
From the update, 16 October 2026
Inflation is back! Well, I guess it never really went away, but it did dominate the headlines this week. We got both the Consumer Price Index and the Producer Price Index and they both revealed what every wallet is feeling- prices are continuing to go up. Unsurprisingly, gasoline was the driver of it all, with prices spiking 9.1% in September alone and 34.2% higher than this time last year. CBS News noted that CPI "has now registered around 65 months—thats more than five years-- of consecutive annual readings above 2%".
These come from the agents I send my own clients to. Nobody paid to be here. Every card goes to the agent's own page, because they are the ones who can tell you about the house.
Listed by Aimee Virnig, Windermere Realty Trust
See the listing
Listed by Linda Skeele, Windermere Realty Trust
See the listingShown as a courtesy using information the listing agent provided. I am not a real estate agent and I do not represent buyers or sellers. More about how I work with agents.
There's no wrong door here, and none of these commit you to anything at all, so pick whichever one matches how much you've figured out so far.
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Ask me a real question and you'll get a real answer, usually within the hour. This is how most people start.
Text 503-317-762015 minutes
Pick a time on my calendar. It's good if you'd rather talk something through before putting anything in writing.
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Tell me the basics (what you're buying, roughly what you earn, and what the situation is), and I'll come back with real numbers.
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This is the full application. If you're under contract already, or you need a pre-approval letter today, start here.
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