Self-employed? Qualify using 12–24 months of bank statements instead of tax returns. We count your real deposits — not your write-offs. See your qualifying income in 60 seconds.
No Tax ReturnsQualify on 12–24 months of personal or business bank statements.
Real Income CountedWe use your deposits, not your write-off-reduced taxable income.
10% DownCompetitive down-payment options for self-employed borrowers.
Built for Business Owners1099 contractors, realtors, gig workers, and entrepreneurs welcome.
Licensed Texas loan specialistsNMLS ID available on requestEqual Housing Opportunity
If you're a business owner, 1099 contractor, realtor, or gig worker, your tax returns probably understate what you really earn — and that makes a traditional mortgage frustrating. A bank statement loan fixes that by qualifying you on 12–24 months of real deposits instead of tax returns.
We help self-employed Texans across Houston, Dallas–Fort Worth, Austin, San Antonio, the Permian Basin, and beyond turn their deposit history into buying power. Use the qualifying-income calculator above to estimate what you can afford, then check your eligibility in 60 seconds.
A bank statement loan is a non-QM mortgage that lets self-employed borrowers qualify using 12–24 months of bank deposits instead of tax returns, W-2s, or pay stubs.
How is my income calculated?
Lenders average your monthly deposits and apply an expense factor (commonly around 50%) to estimate your qualifying income — so heavy tax write-offs don't hurt you.
What do I need to qualify?
Typically 2 years of self-employment, a 620+ credit score, 10%+ down, and consistent deposits. Stronger deposits and credit unlock better terms.
How much home can I afford?
As a rough guide, roughly 50% of your monthly deposits is counted as income. Depositing ~$20k/month can support around a $350k purchase. Use the calculator below for your numbers.
Ready to see what you qualify for?
Free, no-obligation. See what you qualify for in about a minute.