Bank Statement Loans in Bexar County, TX

Bank Statement Home Loans in Bexar County, TX

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 specialists NMLS ID available on request Equal Housing Opportunity

Bank statement loans in Bexar County, Texas

Bexar County realtors, contractors, and small-business owners use bank statement loans to turn strong deposit history into buying power, no tax returns required, down payments often starting at 10%. Lenders count 12-24 months of deposits, often 50% of business or 100% of personal, as income. Our specialists work with self-employed borrowers throughout Bexar County, including San Antonio and nearby areas.

Bexar County at a glance

In Bexar County, the typical home was listing around $294,249 as of July 2026 and the median household income is about $72,578 (2024). For business owners here, qualifying income comes from 12–24 months of deposits — often enough to comfortably reach the local price point.

Who qualifies in Bexar County

Qualify on 12-24 months of bank statements instead of tax returns
Write-offs that cut your taxable income don't cut your qualifying income
Credit from 620 and down payments from 10%
Local specialists who structure non-QM loans for Bexar County business owners

Business owners across Bexar County turned down on a conventional loan often qualify here on deposits alone, the check is free and there's no obligation.

LLC and S-corp owners: your K-1 isn't the ceiling

Owners who pay themselves modest salaries and leave profit in the business look artificially small on paper. Bank statement programs can use your business account deposits, typically counted around 50%, or higher with a CPA letter documenting your expense ratio, so the company's real cash flow backs your approval.

Financing a Texas barndominium

Texas is the most barndo-friendly lending market in the country, but financing is still lender-by-lender: appraisals hinge on comparable metal-building home sales, which rural Texas counties actually have. Completed barndos fit portfolio and non-QM programs; new builds usually run through construction-to-permanent loans with a licensed builder.

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.

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Frequently Asked Questions

I was denied a conventional mortgage, now what?

Get the written denial reason first. If it's income or DTI related, your write-offs were probably the culprit, and a bank statement, 1099, P&L, or DSCR loan may approve the same file on real cash flow.

Can I get a mortgage with an ITIN instead of a Social Security number?

Yes. ITIN loans underwrite with your IRS-issued taxpayer ID, typically with 10-20% down and two years of work history. Self-employed ITIN borrowers can often document income with bank statements.

Can I finance a barndominium with a non-QM loan in Texas?

Texas is one of the friendliest barndo lending markets anywhere. Portfolio and non-QM lenders finance completed barndominiums when comparable sales support the appraisal; construction usually runs through a construction-to-permanent loan.

Can I buy an investment property?

Yes. Bank statement and DSCR loans can finance primary homes, second homes, and investment properties. Note Texas caps cash-out refinances on a primary residence at 80% of value.

What credit score do I need?

Many programs start around 620-660. A higher score unlocks better rates and lower down payments, but strong, consistent deposits carry a lot of weight too.

What is a bank statement loan?

It's a mortgage that qualifies self-employed borrowers on 12-24 months of bank deposits instead of tax returns. If your write-offs make your taxable income look low, this counts your real cash flow instead.