Qualify on deposits, not tax returns, in Llano County
Llano County is full of entrepreneurs whose tax returns understate what they really earn. A bank statement mortgage fixes that by underwriting your deposits, not your write-off-reduced taxable income. Lenders count 12–24 months of deposits — often 50% of business or 100% of personal — as income. From Llano to the surrounding towns, we help Llano County business owners qualify on their deposits.
Llano County at a glance
In Llano County, the median household income is about $75,529 (2024). For business owners here, qualifying income comes from 12–24 months of deposits — often enough to comfortably reach the local price point.
Who qualifies in Llano County
- Credit from 620 and down payments from 10%
- Write-offs that cut your taxable income don't cut your qualifying income
- Personal or business bank statements both accepted
- Built for 1099 contractors, realtors, gig workers, and small-business owners
If you run a business or earn 1099 income in Llano County, a quick check turns your recent deposits into an estimated qualifying income — often far more than your tax return suggests.
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.
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.
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.