Bank Statement Loans in Nueces County, TX

Bank Statement Home Loans in Nueces 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

Bank statement & 1099 mortgages for Nueces County

If you run a business, contract, or freelance in Nueces County, a conventional lender's reliance on tax returns can work against you. Bank statement loans count your actual cash flow — often 50% of business deposits or 100% of personal — to get you qualified. Primary homes, second homes, and investment properties can all qualify. From Corpus Christi to the surrounding towns, we help Nueces County business owners qualify on their deposits.

Nueces County at a glance

In Nueces County, the typical home was listing around $349,250 as of June 2026 and the median household income is about $66,726 (2024). Against those numbers, qualifying on deposits instead of tax returns is what lets local self-employed buyers actually reach the price they can afford.

Who qualifies in Nueces County

Roughly 50% of business-account deposits counted as qualifying income
Local specialists who structure non-QM loans for Nueces County business owners
Self-employed 2+ years preferred (1–2 years can work with a strong history)
Write-offs that cut your taxable income don't cut your qualifying income

Business owners across Nueces County turned down on a conventional loan often qualify here on deposits alone — the check is free and there's no obligation.

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.

1099 loans for contractors and gig workers

If most of your income arrives on 1099s, a 1099 loan may beat a bank-statement loan — lenders can count roughly 90–100% of your gross 1099 earnings, rather than discounting business deposits by half. It's built for freelancers, consultants, and independent contractors.

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.

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Frequently Asked Questions

Will moving money between my accounts hurt my application?

It can muddy the file. Transfers between your own accounts get excluded so they aren't double-counted, and frequent overdrafts or NSFs are red flags. Keep deposits clean and consistent in the months before applying.

What is an asset depletion loan?

A non-QM program that converts verified liquid assets into monthly qualifying income — commonly assets divided over a set number of months. It suits retirees, business sellers, and high-net-worth borrowers without paychecks.

Should I use 12 or 24 months of statements?

Both are accepted. Twelve months is faster; 24 months usually produces a more accurate, stronger income figure — especially if your business is seasonal or your monthly deposits swing up and down.

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 1099 loan and how is it different?

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.

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.