Serving Greater Houston7.3M+ residents · #1 Texas veteran population
Bank Statement Home Loans in Houston, 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 specialistsNMLS ID available on requestEqual Housing Opportunity
Houston's energy contractors, medical consultants, and trucking owner-operators are classic bank-statement borrowers — strong cash flow that tax returns understate.
We serve self-employed buyers across Houston — from The Heights, Katy, Sugar Land, Cypress, Pearland, Spring to the wider Greater Houston market. If you work in energy, medical, construction, trucking & logistics, odds are your tax returns understate your real income — which is the problem this loan solves.
Houston qualification at a glance
DSCR options for investment properties — no personal income at all
100% of personal-account deposits can count as income
No W-2s, no tax returns, no pay stubs required
1099 and P&L programs available when statements aren't the best fit
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.
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.
How much you'll put down
Most bank-statement programs start around 10% down, with better pricing at 15–20%+. If your credit or deposit history is on the lighter side, a larger down payment is often the lever that gets you approved.
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.
Who is a bank statement loan best for?
Business owners, 1099 contractors, realtors, gig workers, and freelancers whose tax write-offs shrink their reported income but whose deposits show strong, steady cash flow.
What is a P&L loan?
A profit-and-loss loan lets you qualify using a CPA-prepared P&L statement, sometimes with fewer bank statements. It's another non-QM path when bank-statement deposits alone don't tell the full story.
I was denied a conventional mortgage — now what?
Get the written denial reason first. If it's income or DTI related, your write-offs were probably the culprit, and a bank statement, 1099, P&L, or DSCR loan may approve the same file on real cash flow.
Are bank statement loan rates higher?
Usually somewhat higher (often about 0.5%–2% over conventional) because they don't fit standard guidelines. There's no monthly PMI, and the real comparison is to being denied conventionally — many borrowers refinance later.
Can I finance a barndominium with a non-QM loan in Texas?
Texas is one of the friendliest barndo lending markets anywhere. Portfolio and non-QM lenders finance completed barndominiums when comparable sales support the appraisal; construction usually runs through a construction-to-permanent loan.
Houston business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.