Bank Statement Loans in Reeves County, TX

Bank Statement Home Loans in Reeves 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

Self-employed home loans across Reeves County

If you run a business, contract, or freelance in Reeves 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. A CPA-prepared profit-and-loss statement can stand in when deposits don't tell the whole story. Our specialists work with self-employed borrowers throughout Reeves County, including Pecos and nearby areas.

Reeves County at a glance

In Reeves County, the median household income is about $63,822 (2024). A bank statement loan counts real cash flow, so strong deposits can support a home at the local price even when taxable income looks low.

Who qualifies in Reeves County

Self-employed 2+ years preferred (1–2 years can work with a strong history)
Credit from 620 and down payments from 10%
Roughly 50% of business-account deposits counted as qualifying income
Local specialists who structure non-QM loans for Reeves County business owners

From Pecos to the rest of Reeves County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.

Financing a Texas barndominium

Texas is the most barndo-friendly lending market in the country, but financing is still lender-by-lender: appraisals hinge on comparable metal-building home sales, which rural Texas counties actually have. Completed barndos fit portfolio and non-QM programs; new builds usually run through construction-to-permanent loans with a licensed builder.

DSCR loans for real estate investors

Buying a rental? A DSCR loan qualifies you on the property's cash flow instead of your personal income — no tax returns, no pay stubs. With interest-only options and entity (LLC) eligibility, it's the go-to for investors growing a portfolio.

Realtors: qualify on your commissions

Agents deduct heavily — mileage, marketing, MLS dues, splits — so the net income a conventional lender sees rarely reflects real earnings. Bank statement loans count your commission deposits, and 1099 loans count 90-100% of your gross 1099 — two clean paths to the home you've been selling everyone else.

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Frequently Asked Questions

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.

How much of my deposits count as income?

Typically 100% of personal-account deposits, or about 50% of business-account deposits, sometimes adjusted by a CPA expense letter. Roughly $20,000/month in business deposits can support about a $350,000 home.

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.

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.

What credit score do I need?

Many programs start around 620–660. A higher score unlocks better rates and lower down payments, but strong, consistent deposits carry a lot of weight too.

Can gig income from Uber or DoorDash qualify?

Yes — it's self-employment income. Lenders aggregate deposits or 1099s across platforms; about two years of history is the norm. Route payouts into one account so every dollar is verifiable.