Self-employed home loans across Wilson County
Self-employed in Wilson County? Your tax write-offs shouldn't keep you from buying a home. A bank statement loan qualifies you on 12–24 months of real deposits instead of tax returns, so Wilson County business owners can finance the home they can actually afford. Primary homes, second homes, and investment properties can all qualify. We serve self-employed buyers from the county seat of Floresville to communities across Wilson County.
Who qualifies in Wilson County
- DSCR options too, if you're financing a Wilson County rental on its own cash flow
- Roughly 50% of business-account deposits counted as qualifying income
- Credit from 620 and down payments from 10%
- Built for 1099 contractors, realtors, gig workers, and small-business owners
From Floresville to the rest of Wilson County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
LLC and S-corp owners: your K-1 isn't the ceiling
Owners who pay themselves modest salaries and leave profit in the business look artificially small on paper. Bank statement programs can use your business account deposits — typically counted around 50%, or higher with a CPA letter documenting your expense ratio — so the company's real cash flow backs your approval.
A bridge to a conventional refinance
Many borrowers use a bank-statement loan to buy now, then refinance into a conventional loan later once two years of stronger tax returns are on file. You get the home today and keep the door open to a lower rate down the road.
P&L-only loan options
Some self-employed borrowers qualify with a CPA-prepared profit-and-loss statement, sometimes paired with a couple months of statements. A P&L loan is another non-QM path when your deposits alone don't capture the whole picture.