Self-employed home loans across Gonzales County
For self-employed buyers in Gonzales County, the right loan looks at your bank statements, not your 1040. With 12–24 months of deposits, you can qualify for a home without the W-2s and tax returns a traditional lender demands. Lenders count 12–24 months of deposits — often 50% of business or 100% of personal — as income. Whether your business is in Gonzales or elsewhere in Gonzales County, we can turn your deposits into buying power.
Gonzales County at a glance
In Gonzales County, the median household income is about $60,783 (2024). Against those numbers, qualifying on deposits instead of tax returns is what lets local self-employed buyers actually reach the price they can afford.
Who qualifies in Gonzales County
- Qualify on 12–24 months of bank statements instead of tax returns
- Roughly 50% of business-account deposits counted as qualifying income
- Personal or business bank statements both accepted
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
Business owners across Gonzales County turned down on a conventional loan often qualify here on deposits alone — the check is free and there's no obligation.
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.
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.
A bridge to a conventional refinance
Many borrowers use a bank-statement loan to buy now, then refinance into a conventional loan later once two years of stronger tax returns are on file. You get the home today and keep the door open to a lower rate down the road.