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.
Texas Bank Statement Loans is a privately owned company and is not a government agency or affiliated with any government program.
Texas Bank Statement Loans is a free service. When you check your eligibility, we connect you with a licensed Texas mortgage professional who can help. They may compensate us for the introduction, but that never changes the rate or terms you're offered, and you are never obligated to work with anyone we connect you with. We share your information only with the licensed professional(s) helping with your request — we never sell it to unrelated marketers, and you can opt out of contact at any time.
By submitting the eligibility form you consent to be contacted by phone, text (SMS), and email at the number and address you provide, including via automated technology, even if your number is on a state or federal Do Not Call list. Consent is not a condition of any purchase; message and data rates may apply, and you can opt out at any time. See our Privacy Policy for details.
Equal Housing Opportunity. This is not a commitment to lend. 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.
Free, no-obligation. See what you qualify for in about a minute.