How we handle your information.
Texas Bank Statement Loans respects your privacy. The information you submit is used to determine loan program eligibility and to connect you with a licensed mortgage professional. By submitting the form you consent to be contacted by phone, text (SMS), and email at the number and address provided, including via automated technology, even if your number is on a Do-Not-Call list. Consent is not a condition of any purchase. Message and data rates may apply. You may opt out at any time by replying STOP.
How your information is shared. We share what you submit only with the licensed mortgage professional(s) we connect you with to help with your specific request — not with unrelated marketers, and we do not sell your information for others' advertising. You can ask us to stop contacting you at any time by replying STOP to a text, clicking unsubscribe in an email, or telling us by phone. Texas residents may request that we disclose or delete the personal information we hold, or opt out of certain sharing, by contacting us.
Your privacy matters to us, and a strong, lasting relationship with you is worth far more to our business than any one-time misuse of your data.
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.