Self-employed home loans across Terry County
Terry 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. A CPA-prepared profit-and-loss statement can stand in when deposits don't tell the whole story. We serve self-employed buyers from the county seat of Brownfield to communities across Terry County.
Who qualifies in Terry 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
Jumbo loans without tax returns
Above the conforming limit — $832,750 in most Texas counties for 2026 — bank statement jumbo programs keep working. Expect larger down payments and deeper reserves than smaller loans, but the core trade holds: your deposits, not your post-write-off taxable income, set your buying power.
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.
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.