We compare 20+ wholesale lenders to find competitive bank statement rates in Texas. No credit pull. Pre-approval in 24 hours.
A Texas-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.
Texas leads the nation in population growth, with the Houston, Dallas-Fort Worth, Austin, and San Antonio metros each adding tens of thousands of new residents per year. Strong job markets in tech, energy, and healthcare keep buyer demand steady, and Texas has no state income tax.
Here's what you'll typically need.
Provide 12-24 months of personal or business bank statements to verify income through actual deposits and cash flow.
620 minimum typically required. Higher scores unlock better rates and lower down payment options.
Plan for 10-20% of the purchase price, depending on your credit profile and loan amount.
2+ years of documented self-employment history. Business licenses, CPA letters, or other verification.
Lending Arena, NMLS #1603937. Licensed by the Texas Department of Savings and Mortgage Lending. Texas A6 home equity transactions are subject to the disclosures and protections of Texas Constitution Section 50(a)(6). Equal Housing Lender. This is not a commitment to lend. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.