Bank statement & 1099 mortgages for San Saba County
For self-employed buyers in San Saba County, the right loan looks at your bank statements, not your 1040. With 12–24 months of deposits, you can qualify for a home without the W-2s and tax returns a traditional lender demands. No W-2s and no tax returns are required to document your income. From San Saba to the surrounding towns, we help San Saba County business owners qualify on their deposits.
San Saba County at a glance
In San Saba County, the median household income is about $58,628 (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 San Saba County
- Local specialists who structure non-QM loans for San Saba County business owners
- Roughly 50% of business-account deposits counted as qualifying income
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
- Built for 1099 contractors, realtors, gig workers, and small-business owners
Self-employed buyers near San Saba and throughout San Saba County use bank statement loans to qualify on real cash flow; the 60-second check shows your estimated income with no credit pull.
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.
Texas's 80% cash-out rule
Texas homestead law caps cash-out refinances on a primary residence at 80% of the home's value — you must keep at least 20% equity. It applies to every loan type, including bank-statement loans, so plan your cash-out around that ceiling.
Your write-offs stop working against you
The deductions that lower your tax bill also lower the income a conventional lender sees — which is why so many business owners get under-qualified or denied. A bank-statement loan flips that: your real deposits, not your write-off-reduced taxable income, drive your approval.