Self-employed home loans in Austin
Austin's tech founders, freelance creatives, and Airbnb operators are prime bank-statement borrowers in a high-price market where qualifying income matters.
We serve self-employed buyers across Austin — from South Congress, Mueller, Westlake, East Austin, Circle C to the wider Austin–Round Rock market. The tech, music & creative, real estate, hospitality economy runs on self-employment — and deposits tell that story better than a 1040 ever will.
What it takes to qualify in Austin
- Roughly 50% of business deposits counted as income — or more with a CPA letter
- 12–24 months of personal or business bank statements
- 100% of personal-account deposits can count as income
- No W-2s, no tax returns, no pay stubs required
ITIN loans: no Social Security number required
Taxpayers who file with an IRS-issued ITIN can buy a home through ITIN mortgage programs — typically 10-20% down, two years of work history, and credit shown by score or alternative trade lines like rent and utilities. Self-employed ITIN borrowers can often qualify with bank statements.
1099 loans for contractors and gig workers
If most of your income arrives on 1099s, a 1099 loan may beat a bank-statement loan — lenders can count roughly 90–100% of your gross 1099 earnings, rather than discounting business deposits by half. It's built for freelancers, consultants, and independent contractors.
Reserves: what lenders want to see
Non-QM programs typically want about 3 to 12 months of PITI — your full monthly payment — sitting in reserves, with larger loans requiring more. Strong reserves can offset a lower score or a thinner deposit history.