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Bank Statement Home Loans in New Braunfels, 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
Qualify on deposits, not tax returns, in New Braunfels
New Braunfels' tourism operators and contractors use bank-statement loans to turn seasonal deposit income into a home purchase.
From New Braunfels to every part of Gruene, Vintage Oaks, Veramendi, the San Antonio-New Braunfels area is full of borrowers who qualify on deposits. Local industries like tourism, construction, manufacturing, small business are exactly the deposit-rich, write-off-heavy profiles these programs were built for.
Who qualifies in New Braunfels
100% of personal-account deposits can count as income
No W-2s, no tax returns, no pay stubs required
Self-employed 2+ years (1-2 years can work with industry history)
12-24 months of personal or business bank statements
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.
DSCR loans for real estate investors
Buying a rental? A DSCR loan qualifies you on the property's cash flow instead of your personal income, no tax returns, no pay stubs. With interest-only options and entity (LLC) eligibility, it's the go-to for investors growing a portfolio.
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.
A DSCR loan qualifies real estate investors on a property's rental cash flow instead of personal income, no tax returns or pay stubs. It's ideal for rentals, cash-out refinances, and growing a portfolio.
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.
What about jumbo loans for the self-employed?
Bank statement jumbo programs lend above the conforming limit ($832,750 in most Texas counties for 2026) using deposit-based income, expect larger down payments and deeper reserves than smaller loans.
Can I buy an investment property?
Yes. Bank statement and DSCR loans can finance primary homes, second homes, and investment properties. Note Texas caps cash-out refinances on a primary residence at 80% of value.
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.
New Braunfels business owners, get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.