Bank statement & 1099 mortgages for Kerr County
If you've been told you 'make too much to qualify on paper' in Kerr 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. No W-2s and no tax returns are required to document your income. We serve self-employed buyers from the county seat of Kerrville to communities across Kerr County.
Kerr County at a glance
In Kerr County, the typical home was listing around $499,000 as of June 2026 and the median household income is about $69,674 (2024). Self-employed buyers here qualify on bank deposits rather than tax returns — which often supports a higher price than a write-off-reduced return would.
Who qualifies in Kerr County
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
- DSCR options too, if you're financing a Kerr County rental on its own cash flow
- Roughly 50% of business-account deposits counted as qualifying income
- Local specialists who structure non-QM loans for Kerr County business owners
From Kerrville to the rest of Kerr County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
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.
Asset depletion: your portfolio is your paycheck
Retirees and business sellers can qualify by converting verified assets into income — commonly eligible assets divided over a set number of months. Cash counts fully, securities and retirement funds at a discount. No employment, no tax returns: the balance sheet does the talking.
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.