Bank Statement Loans in Jim Hogg County, TX

Bank Statement Home Loans in Jim Hogg 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

Qualify on deposits, not tax returns, in Jim Hogg County

Buying a home in Jim Hogg County when you're self-employed comes down to one thing: showing your true income. Bank statement loans do exactly that, averaging your monthly deposits to set your qualifying income. No W-2s and no tax returns are required to document your income. Whether your business is in Hebbronville or elsewhere in Jim Hogg County, we can turn your deposits into buying power.

Who qualifies in Jim Hogg 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

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.

Your write-offs stop working against you

The deductions that lower your tax bill also lower the income a conventional lender sees — which is why so many business owners get under-qualified or denied. A bank-statement loan flips that: your real deposits, not your write-off-reduced taxable income, drive your approval.

Jumbo loans without tax returns

Above the conforming limit — $832,750 in most Texas counties for 2026 — bank statement jumbo programs keep working. Expect larger down payments and deeper reserves than smaller loans, but the core trade holds: your deposits, not your post-write-off taxable income, set your buying power.

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Frequently Asked Questions

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.

Are bank statement loan rates higher?

Usually somewhat higher (often about 0.5%–2% over conventional) because they don't fit standard guidelines. There's no monthly PMI, and the real comparison is to being denied conventionally — many borrowers refinance later.

Can I refinance with a bank statement loan?

Yes — you can refinance to lower your rate or take cash out, subject to Texas's 80% cash-out limit on a primary residence.

What documents will I need?

Generally 12–24 months of statements, proof of self-employment (license, incorporation docs, or a CPA letter), and asset statements for your down payment and reserves.

Can I buy an investment property?

Yes. Bank statement and DSCR loans can finance primary homes, second homes, and investment properties. Note Texas caps cash-out refinances on a primary residence at 80% of value.

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.