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.
We do not sell your personal information to unrelated third parties for their own marketing.
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.