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.