Self-employed home loans across Bee County
Buying a home in Bee County when you're self-employed comes down to one thing: showing your true income. Bank statement loans do exactly that, averaging your monthly deposits to set your qualifying income. Many borrowers buy now and refinance into a conventional loan once their tax picture strengthens. From Beeville to the surrounding towns, we help Bee County business owners qualify on their deposits.
Bee County at a glance
In Bee County, the median household income is about $56,414 (2024). Self-employed buyers here qualify on bank deposits rather than tax returns — which often supports a higher price than a write-off-reduced return would.
Who qualifies in Bee County
- Qualify on 12–24 months of bank statements instead of tax returns
- Local specialists who structure non-QM loans for Bee County business owners
- DSCR options too, if you're financing a Bee County rental on its own cash flow
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
If you run a business or earn 1099 income in Bee County, a quick check turns your recent deposits into an estimated qualifying income — often far more than your tax return suggests.
How much you'll put down
Most bank-statement programs start around 10% down, with better pricing at 15–20%+. If your credit or deposit history is on the lighter side, a larger down payment is often the lever that gets you approved.
Realtors: qualify on your commissions
Agents deduct heavily — mileage, marketing, MLS dues, splits — so the net income a conventional lender sees rarely reflects real earnings. Bank statement loans count your commission deposits, and 1099 loans count 90-100% of your gross 1099 — two clean paths to the home you've been selling everyone else.
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.