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 is a marketing service that connects consumers with licensed mortgage professionals. 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.