Bank Statement Loans in Hartley County, TX

Bank Statement Home Loans in Hartley County, TX

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 specialists NMLS ID available on request Equal Housing Opportunity

Self-employed home loans across Hartley County

Business owners and 1099 earners in Hartley 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. Primary homes, second homes, and investment properties can all qualify. We serve self-employed buyers from the county seat of Channing to communities across Hartley County.

Hartley County at a glance

In Hartley County, the median household income is about $91,653 (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 Hartley County

DSCR options too, if you're financing a Hartley County rental on its own cash flow
Roughly 50% of business-account deposits counted as qualifying income
Self-employed 2+ years preferred (1–2 years can work with a strong history)
Built for 1099 contractors, realtors, gig workers, and small-business owners

From Channing to the rest of Hartley County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.

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.

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.

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.

Browse all 254 Texas counties →

Frequently Asked Questions

Will moving money between my accounts hurt my application?

It can muddy the file. Transfers between your own accounts get excluded so they aren't double-counted, and frequent overdrafts or NSFs are red flags. Keep deposits clean and consistent in the months before applying.

What is a bank statement loan?

It's a mortgage that qualifies self-employed borrowers on 12–24 months of bank deposits instead of tax returns. If your write-offs make your taxable income look low, this counts your real cash flow instead.

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.

What is a DSCR loan for investors?

A DSCR loan qualifies real estate investors on a property's rental cash flow instead of personal income — no tax returns or pay stubs. It's ideal for rentals, cash-out refinances, and growing a portfolio.

Can I close a DSCR loan in my LLC's name?

Yes — DSCR loans commonly close in an LLC or other entity, which many investors prefer for liability separation. The property qualifies on its rent versus its full payment (PITIA), not your personal income.

What credit score do I need?

Many programs start around 620–660. A higher score unlocks better rates and lower down payments, but strong, consistent deposits carry a lot of weight too.