See if you qualify — free, 60-second check.
The advertised rates and points shown are subject to change at any time without prior notice and may not be available to all borrowers. These rates are based on specific assumptions and lending scenarios. The actual rate available to you can vary depending on your personal details, such as your credit score, loan amount, down payment, and lender underwriting criteria. Rates shown are for a fixed-rate mortgage and will differ depending on the loan term and property location. Additional rates, points, and loan terms may be available. Approval of all loans is contingent on credit and property evaluation. Property insurance is required, and flood insurance may also be necessary.
Bank statement and other non-QM loan programs are risk-based; rates and terms vary by credit, deposit history, down payment, loan amount, occupancy, and property type. Rates shown are starting estimates and may not be available to all borrowers. The Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of an application does not represent an approval for financing or an interest rate guarantee. Restrictions may apply. Contact a licensed loan specialist for current rates and more information.
Texas Bank Statement Loans is a marketing service that connects consumers with licensed mortgage professionals and is not a lender or broker. All loans are originated by licensed third-party mortgage professionals. Equal Housing Opportunity. NMLS ID available on request.
A bank statement loan is a non-QM mortgage that lets self-employed borrowers qualify using 12–24 months of bank deposits instead of tax returns, W-2s, or pay stubs.
Lenders average your monthly deposits and apply an expense factor (commonly around 50%) to estimate your qualifying income — so heavy tax write-offs don't hurt you.
Typically 2 years of self-employment, a 620+ credit score, 10%+ down, and consistent deposits. Stronger deposits and credit unlock better terms.
As a rough guide, roughly 50% of your monthly deposits is counted as income. Depositing ~$20k/month can support around a $350k purchase. Use the calculator below for your numbers.
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