Qualify on deposits, not tax returns, in Kleberg County
Self-employed in Kleberg County? Your tax write-offs shouldn't keep you from buying a home. A bank statement loan qualifies you on 12–24 months of real deposits instead of tax returns, so Kleberg County business owners can finance the home they can actually afford. Down payments often start around 10%, with stronger pricing at 15–20%. We serve self-employed buyers from the county seat of Kingsville to communities across Kleberg County.
Who qualifies in Kleberg 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
Non-warrantable condos: when the building is the problem
Sometimes you qualify and the condo doesn't — too many rentals in the project, pending litigation, one owner holding too many units. Conventional lenders walk away; non-QM lenders underwrite the building on its merits. If a condo deal died over 'warrantability,' there's usually still a loan for it.
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.
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.