Bank statement & 1099 mortgages for DeWitt County
Buying a home in DeWitt 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%. We serve self-employed buyers from the county seat of Cuero to communities across DeWitt County.
DeWitt County at a glance
In DeWitt County, the median household income is about $63,383 (2024). A bank statement loan counts real cash flow, so strong deposits can support a home at the local price even when taxable income looks low.
Who qualifies in DeWitt County
- Qualify on 12–24 months of bank statements instead of tax returns
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- DSCR options too, if you're financing a DeWitt County rental on its own cash flow
- Personal or business bank statements both accepted
If you run a business or earn 1099 income in DeWitt County, a quick check turns your recent deposits into an estimated qualifying income — often far more than your tax return suggests.
P&L-only loan options
Some self-employed borrowers qualify with a CPA-prepared profit-and-loss statement, sometimes paired with a couple months of statements. A P&L loan is another non-QM path when your deposits alone don't capture the whole picture.
12 vs. 24 months of statements
Lenders accept either 12 or 24 months of personal or business statements. Twelve months gets you to the finish line faster, while 24 months smooths out seasonal swings and often produces a higher, more defensible qualifying income.
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.