Self-employed home loans across Harris County
Harris County realtors, contractors, and small-business owners use bank statement loans to turn strong deposit history into buying power — no tax returns required, down payments often starting at 10%. Primary homes, second homes, and investment properties can all qualify. Whether your business is in Houston or elsewhere in Harris County, we can turn your deposits into buying power.
Harris County at a glance
In Harris County, the typical home was listing around $335,000 as of June 2026 and the median household income is about $74,682 (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 Harris County
- Roughly 50% of business-account deposits counted as qualifying income
- Credit from 620 and down payments from 10%
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Write-offs that cut your taxable income don't cut your qualifying income
Business owners across Harris County turned down on a conventional loan often qualify here on deposits alone — the check is free and there's no obligation.
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.
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.
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.