Bank Statement Loans in Fort Worth, TX

Q: Do I need cash reserves?

Usually yes — many non-QM programs require about 3 to 12 months of PITI (principal, interest, taxes, insurance) in reserves, with larger loans requiring more.

Bank Statement Home Loans in Fort Worth, TX

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.

Licensed Texas loan specialists NMLS ID available on request Equal Housing Opportunity

Self-employed home loans in Fort Worth

Fort Worth's manufacturers, ranchers, and defense subcontractors frequently use bank-statement loans when 1099 income or seasonal cash flow complicates qualifying.

We serve self-employed buyers across Fort Worth, from Sundance Square, TCU / Westcliff, Alliance, Clearfork to the wider Dallas-Fort Worth Metroplex market. If you work in aviation & defense, logistics, ranching, manufacturing, odds are your tax returns understate your real income, which is the problem this loan solves.

What it takes to qualify in Fort Worth

Self-employed 2+ years (1-2 years can work with industry history)
DSCR options for investment properties, no personal income at all
No W-2s, no tax returns, no pay stubs required
12-24 months of personal or business bank statements

Your write-offs stop working against you

The deductions that lower your tax bill also lower the income a conventional lender sees, which is why so many business owners get under-qualified or denied. A bank-statement loan flips that: your real deposits, not your write-off-reduced taxable income, drive your approval.

Primary, second home, or investment

These loans aren't just for primary residences, second homes and investment properties qualify too. Pair a bank-statement loan for your own home with a DSCR loan for rentals and you can keep growing without ever showing a tax return.

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.

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Frequently Asked Questions

What is an asset depletion loan?

A non-QM program that converts verified liquid assets into monthly qualifying income, commonly assets divided over a set number of months. It suits retirees, business sellers, and high-net-worth borrowers without paychecks.

What is a 1099 loan and how is it different?

A 1099 loan qualifies contractors and gig workers using their 1099 forms instead of tax returns, often counting 90-100% of gross 1099 earnings. It's a great fit if most of your income comes on 1099s.

Do I need cash reserves?

Usually yes, many non-QM programs require about 3 to 12 months of PITI (principal, interest, taxes, insurance) in reserves, with larger loans requiring more.

What DSCR ratio do lenders want?

A DSCR of 1.0 means rent covers the full payment; many lenders price best at 1.25 or higher. Some programs allow ratios below 1.0 with stronger down payments and reserves.

Do I need tax returns or W-2s?

No. Income is verified from your deposits (or 1099s/P&L), so no tax returns or W-2s are required to document income, just proof of self-employment and consistent statements.

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.