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 specialistsNMLS ID available on requestEqual Housing Opportunity
Buying a home in Brown 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. Down payments often start around 10%, with stronger pricing at 15–20%. From Brownwood to the surrounding towns, we help Brown County business owners qualify on their deposits.
Who qualifies in Brown 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
Your write-offs stop working against you
The deductions that lower your tax bill also lower the income a conventional lender sees — which is why so many business owners get under-qualified or denied. A bank-statement loan flips that: your real deposits, not your write-off-reduced taxable income, drive your approval.
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.
A bridge to a conventional refinance
Many borrowers use a bank-statement loan to buy now, then refinance into a conventional loan later once two years of stronger tax returns are on file. You get the home today and keep the door open to a lower rate down the road.
Usually somewhat higher (often about 0.5%–2% over conventional) because they don't fit standard guidelines. There's no monthly PMI, and the real comparison is to being denied conventionally — many borrowers refinance later.
What is a P&L loan?
A profit-and-loss loan lets you qualify using a CPA-prepared P&L statement, sometimes with fewer bank statements. It's another non-QM path when bank-statement deposits alone don't tell the full story.
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.
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.
Do I need tax returns or W-2s?
No. Income is verified from your deposits (or 1099s/P&L), so no tax returns or W-2s are required to document income — just proof of self-employment and consistent statements.
Should I use 12 or 24 months of statements?
Both are accepted. Twelve months is faster; 24 months usually produces a more accurate, stronger income figure — especially if your business is seasonal or your monthly deposits swing up and down.
Brown County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.