Bank statement & 1099 mortgages for Williamson County
Williamson County realtors, contractors, and small-business owners use bank statement loans to turn strong deposit history into buying power — no tax returns required, down payments often starting at 10%. Many borrowers buy now and refinance into a conventional loan once their tax picture strengthens. From Georgetown to the surrounding towns, we help Williamson County business owners qualify on their deposits.
Who qualifies in Williamson County
- Write-offs that cut your taxable income don't cut your qualifying income
- Roughly 50% of business-account deposits counted as qualifying income
- DSCR options too, if you're financing a Williamson County rental on its own cash flow
- Personal or business bank statements both accepted
Self-employed buyers near Georgetown and throughout Williamson County use bank statement loans to qualify on real cash flow; the 60-second check shows your estimated income with no credit pull.
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.
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.
12 vs. 24 months of statements
Lenders accept either 12 or 24 months of personal or business statements. Twelve months gets you to the finish line faster, while 24 months smooths out seasonal swings and often produces a higher, more defensible qualifying income.