Qualify on deposits, not tax returns, in Andrews County
If you've been told you 'make too much to qualify on paper' in Andrews County, a bank statement loan is likely your answer. It qualifies you on your deposits, so the income you actually earn is the income that counts. Many borrowers buy now and refinance into a conventional loan once their tax picture strengthens. From Andrews to the surrounding towns, we help Andrews County business owners qualify on their deposits.
Who qualifies in Andrews County
- Self-employed 2+ years (1–2 years may work with experience)
- 12–24 months of bank statements
- 620+ credit and 10%%+ down
- Roughly 50%% of monthly deposits counted as income
Reserves: what lenders want to see
Non-QM programs typically want about 3 to 12 months of PITI — your full monthly payment — sitting in reserves, with larger loans requiring more. Strong reserves can offset a lower score or a thinner deposit history.
Non-warrantable condos: when the building is the problem
Sometimes you qualify and the condo doesn't — too many rentals in the project, pending litigation, one owner holding too many units. Conventional lenders walk away; non-QM lenders underwrite the building on its merits. If a condo deal died over 'warrantability,' there's usually still a loan for it.
Jumbo loans without tax returns
Above the conforming limit — $832,750 in most Texas counties for 2026 — bank statement jumbo programs keep working. Expect larger down payments and deeper reserves than smaller loans, but the core trade holds: your deposits, not your post-write-off taxable income, set your buying power.