Qualify on deposits, not tax returns, in Falls County
Business owners and 1099 earners in Falls County have options beyond the conventional box. Bank statement, 1099, and P&L loan programs qualify you on real income, your deposits, so write-offs don't sink your application. Down payments often start around 10%, with stronger pricing at 15-20%. Our specialists work with self-employed borrowers throughout Falls County, including Marlin and nearby areas.
Falls County at a glance
In Falls County, the median household income is about $56,486 (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 Falls County
- Qualify on 12-24 months of bank statements instead of tax returns
- Self-employed 2+ years preferred (1-2 years can work with a strong history)
- Roughly 50% of business-account deposits counted as qualifying income
- Write-offs that cut your taxable income don't cut your qualifying income
Self-employed buyers near Marlin and throughout Falls County use bank statement loans to qualify on real cash flow; the 60-second check shows your estimated income with no credit pull.
Jumbo loans without tax returns
Above the conforming limit, $832,750 in most Texas counties for 2026, bank statement jumbo programs keep working. Expect larger down payments and deeper reserves than smaller loans, but the core trade holds: your deposits, not your post-write-off taxable income, set your buying power.
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.
LLC and S-corp owners: your K-1 isn't the ceiling
Owners who pay themselves modest salaries and leave profit in the business look artificially small on paper. Bank statement programs can use your business account deposits, typically counted around 50%, or higher with a CPA letter documenting your expense ratio, so the company's real cash flow backs your approval.