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 Donley 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. No W-2s and no tax returns are required to document your income. Our specialists work with self-employed borrowers throughout Donley County, including Clarendon and nearby areas.
Who qualifies in Donley 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
DSCR loans for real estate investors
Buying a rental? A DSCR loan qualifies you on the property's cash flow instead of your personal income — no tax returns, no pay stubs. With interest-only options and entity (LLC) eligibility, it's the go-to for investors growing a portfolio.
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.
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.
Typically 100% of personal-account deposits, or about 50% of business-account deposits, sometimes adjusted by a CPA expense letter. Roughly $20,000/month in business deposits can support about a $350,000 home.
What about jumbo loans for the self-employed?
Bank statement jumbo programs lend above the conforming limit ($832,750 in most Texas counties for 2026) using deposit-based income — expect larger down payments and deeper reserves than smaller loans.
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.
How much down payment do I need?
Most bank statement programs start around 10%, with stronger pricing at 15–20%+. A larger down payment can offset a lower credit score or thinner deposit history.
Do bank statement loans work for real estate agents?
They're one of the best fits. Commission deposits qualify you, and 24 months of statements smooths seasonal swings. If your brokerage 1099s your gross commissions, a 1099 loan counting 90-100% of gross may be even stronger.
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.
Donley County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.