Self-employed home loans across Cass County
Self-employed in Cass County? Your tax write-offs shouldn't keep you from buying a home. A bank statement loan qualifies you on 12-24 months of real deposits instead of tax returns, so Cass County business owners can finance the home they can actually afford. If most of your income is on 1099s, a 1099 loan can count roughly 90-100% of it instead. We serve self-employed buyers from the county seat of Linden to communities across Cass County.
Cass County at a glance
In Cass County, the median household income is about $52,449 (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 Cass County
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Credit from 620 and down payments from 10%
- Qualify on 12-24 months of bank statements instead of tax returns
- Personal or business bank statements both accepted
From Linden to the rest of Cass County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
Texas's 80% cash-out rule
Texas homestead law caps cash-out refinances on a primary residence at 80% of the home's value, you must keep at least 20% equity. It applies to every loan type, including bank-statement loans, so plan your cash-out around that ceiling.
Primary, second home, or investment
These loans aren't just for primary residences, second homes and investment properties qualify too. Pair a bank-statement loan for your own home with a DSCR loan for rentals and you can keep growing without ever showing a tax return.
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.