Bank statement loans in Round Rock, Texas
Round Rock's tech contractors and small-business owners use bank-statement loans to qualify in the fast-rising Austin-metro market.
We serve self-employed buyers across Round Rock — from Forest Creek, Teravista, Brushy Creek to the wider Austin–Round Rock market. The tech, manufacturing, retail, healthcare economy runs on self-employment — and deposits tell that story better than a 1040 ever will.
Round Rock qualification at a glance
- 620+ credit and down payments starting around 10%
- 12–24 months of personal or business bank statements
- No W-2s, no tax returns, no pay stubs required
- 100% of personal-account deposits can count as income
Denied? The documentation was wrong, not the income
Most self-employed denials trace to one cause: the underwriter used post-write-off taxable income. The same file re-documented with 12-24 months of deposits, gross 1099s, or a CPA-prepared P&L often approves. Bring your denial letter — it tells the next loan officer exactly what to solve.
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.
Gig income counts — document it right
Uber, DoorDash, Instacart, freelance platforms — lenders aggregate it all as self-employment income. Route payouts into one account, keep your 1099s, and show about two years of history. Bank statement and 1099 loans capture what the apps actually paid you, not what survived your mileage deduction.