Bank statement & 1099 mortgages for Hunt County
Hunt 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%. If most of your income is on 1099s, a 1099 loan can count roughly 90–100% of it instead. From Greenville to the surrounding towns, we help Hunt County business owners qualify on their deposits.
Who qualifies in Hunt County
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Write-offs that cut your taxable income don't cut your qualifying income
- Roughly 50% of business-account deposits counted as qualifying income
- Qualify on 12–24 months of bank statements instead of tax returns
Self-employed buyers near Greenville and throughout Hunt County use bank statement loans to qualify on real cash flow; the 60-second check shows your estimated income with no credit pull.
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.
Financing a Texas barndominium
Texas is the most barndo-friendly lending market in the country, but financing is still lender-by-lender: appraisals hinge on comparable metal-building home sales, which rural Texas counties actually have. Completed barndos fit portfolio and non-QM programs; new builds usually run through construction-to-permanent loans with a licensed builder.
Gig income counts — document it right
Uber, DoorDash, Instacart, freelance platforms — lenders aggregate it all as self-employment income. Route payouts into one account, keep your 1099s, and show about two years of history. Bank statement and 1099 loans capture what the apps actually paid you, not what survived your mileage deduction.