Bank Statement Home Loans in Jeff Davis 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 specialistsNMLS ID available on requestEqual Housing Opportunity
Qualify on deposits, not tax returns, in Jeff Davis County
If you've been told you 'make too much to qualify on paper' in Jeff Davis 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. Real estate investors can use DSCR loans that qualify on a property's rental cash flow alone. Whether your business is in Fort Davis or elsewhere in Jeff Davis County, we can turn your deposits into buying power.
Who qualifies in Jeff Davis 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
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.
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.
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 1099 loan qualifies contractors and gig workers using their 1099 forms instead of tax returns, often counting 90–100% of gross 1099 earnings. It's a great fit if most of your income comes on 1099s.
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 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.
What about jumbo loans for the self-employed?
Bank statement jumbo programs lend above the conforming limit ($832,750 in most Texas counties for 2026) using deposit-based income — expect larger down payments and deeper reserves than smaller loans.
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 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.
Jeff Davis County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.