See if you qualify — free, 60-second check.
Texas Bank Statement Loans helps Texans find the right home loan and connect with experienced, licensed mortgage professionals who specialize in bank statement loans. We match you with a real Texas loan officer who takes the time to structure your loan correctly — including the tricky situations other lenders turn away.
Our partner loan officers bring decades of combined experience helping Texas families get to the closing table.
Texas Bank Statement Loans was founded in Dallas, Texas, and built with love. We started this because we believe getting a home loan should feel personal, honest, and pressure-free — the way it would if a neighbor walked you through it. We’re proud to be Texans serving Texans. Our office is located at 7700 Windrose Ave, Plano, TX 75024 in Legacy West, and you can always reach a real person at (972) 978-9791.
Our service is completely free to you. When you check your eligibility, we connect you with a licensed mortgage professional who can actually help. They may compensate us for the introduction — but that never changes the rate or terms you’re offered, and you’re under no obligation to move forward with anyone. We share your details only with the professional helping you, never with random marketers, and you can opt out of contact at any time. No pressure, no spam, no surprises.
Texas Bank Statement Loans is a marketing service that connects consumers with licensed mortgage professionals and is not a lender. Equal Housing Opportunity.
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.
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.
Typically 2 years of self-employment, a 620+ credit score, 10%+ down, and consistent deposits. Stronger deposits and credit unlock better terms.
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.
Free, no-obligation. See what you qualify for in about a minute.