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 specialistsNMLS ID available on requestEqual Housing Opportunity
Smith 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. No W-2s and no tax returns are required to document your income. Whether your business is in Tyler or elsewhere in Smith County, we can turn your deposits into buying power.
Who qualifies in Smith 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
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.
Primary, second home, or investment
These loans aren't just for primary residences — second homes and investment properties qualify too. Pair a bank-statement loan for your own home with a DSCR loan for rentals and you can keep growing without ever showing a tax return.
Gig income counts — document it right
Uber, DoorDash, Instacart, freelance platforms — lenders aggregate it all as self-employment income. Route payouts into one account, keep your 1099s, and show about two years of history. Bank statement and 1099 loans capture what the apps actually paid you, not what survived your mileage deduction.
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.
Do I need cash reserves?
Usually yes — many non-QM programs require about 3 to 12 months of PITI (principal, interest, taxes, insurance) in reserves, with larger loans requiring more.
Do bank statement loans work for real estate agents?
They're one of the best fits. Commission deposits qualify you, and 24 months of statements smooths seasonal swings. If your brokerage 1099s your gross commissions, a 1099 loan counting 90-100% of gross may be even stronger.
How long do I need to be self-employed?
Typically two years, though one year may work if you have prior experience in the same line of work. We'll help you find the program that fits your timeline.
I was denied a conventional mortgage — now what?
Get the written denial reason first. If it's income or DTI related, your write-offs were probably the culprit, and a bank statement, 1099, P&L, or DSCR loan may approve the same file on real cash flow.
What about jumbo loans for the self-employed?
Bank statement jumbo programs lend above the conforming limit ($832,750 in most Texas counties for 2026) using deposit-based income — expect larger down payments and deeper reserves than smaller loans.
Smith County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.