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
Bank statement & 1099 mortgages for Harrison County
If you've been told you 'make too much to qualify on paper' in Harrison County, a bank statement loan is likely your answer. It qualifies you on your deposits, so the income you actually earn is the income that counts. Primary homes, second homes, and investment properties can all qualify. We serve self-employed buyers from the county seat of Marshall to communities across Harrison County.
Who qualifies in Harrison 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
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.
Non-warrantable condos: when the building is the problem
Sometimes you qualify and the condo doesn't — too many rentals in the project, pending litigation, one owner holding too many units. Conventional lenders walk away; non-QM lenders underwrite the building on its merits. If a condo deal died over 'warrantability,' there's usually still a loan for it.
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.
Yes — it's self-employment income. Lenders aggregate deposits or 1099s across platforms; about two years of history is the norm. Route payouts into one account so every dollar is verifiable.
Can I finance a barndominium with a non-QM loan in Texas?
Texas is one of the friendliest barndo lending markets anywhere. Portfolio and non-QM lenders finance completed barndominiums when comparable sales support the appraisal; construction usually runs through a construction-to-permanent loan.
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.
What is an asset depletion loan?
A non-QM program that converts verified liquid assets into monthly qualifying income — commonly assets divided over a set number of months. It suits retirees, business sellers, and high-net-worth borrowers without paychecks.
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.
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.
Harrison County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.