Bank Statement Converter for Masonry Workers and Brick Masons

Union bricklayers, stone masons, cement masons, terrazzo workers, and tile and marble setters can convert bank statement PDFs to Excel or CSV to document BAC (Bricklayers and Allied Craftworkers) union dispatch wages for FHA and conventional mortgage qualification. Essential for seasonal income documentation in cold-weather markets where masonry work slows in winter, and for masonry contractor owners documenting business income for SBA loans.

Key Benefits

• Documents union BAC dispatch wages for FHA and conventional mortgage income
• Tracks seasonal income patterns for masons in northern cold-weather markets
• Masonry contractor business income documentation for SBA loans
• Davis-Bacon prevailing wage premium documentation for government projects
• Stone and tile restoration income from historic preservation project contracts

How It Works

1. Step 1: Upload personal bank statement PDFs (24 months)
2. Step 2: Select Excel output
3. Step 3: Identify union payroll deposits and seasonal income pattern
4. Step 4: Submit to lender with BAC union membership and 2 years of W-2s

Frequently Asked Questions

How do masonry workers qualify for FHA mortgages with seasonal winter income gaps?

Masonry work in northern states slows significantly from November through March — masonry cannot be laid in freezing temperatures. Export 24 months of bank statements to show the full seasonal cycle: active months with regular union payroll deposits, followed by winter months with unemployment benefit deposits. FHA guidelines allow seasonal employment in the same trade for 2+ years as stable qualifying income. The income average uses annual W-2 earnings divided by 12, not active-months earnings, which appropriately accounts for seasonal off periods.

Can self-employed masonry contractors use bank statements for SBA equipment loans?

Yes. Masonry contractors purchase scaffolding, mortar mixers, brick saws, laser levels, and vehicles. SBA 7(a) loans finance these equipment purchases. Export 12–24 months of business bank statements to show consistent masonry project revenue. Contractors with commercial masonry contracts (school buildings, hospital facade restoration, commercial construction) have more stable revenue than residential-only contractors. Present the Excel export showing monthly project deposit totals to the SBA lender as evidence of cash flow sufficient to service equipment loan payments.

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