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.
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Bank statement & 1099 mortgages for Tarrant County
If you run a business, contract, or freelance in Tarrant 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. From Fort Worth to the surrounding towns, we help Tarrant County business owners qualify on their deposits.
Who qualifies in Tarrant 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
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.
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.
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.
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.
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 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.
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.
What is a P&L loan?
A profit-and-loss loan lets you qualify using a CPA-prepared P&L statement, sometimes with fewer bank statements. It's another non-QM path when bank-statement deposits alone don't tell the full story.
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.
Tarrant County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.