Qualify for a mortgage using your bank statements instead of traditional income documentation. Perfect for self-employed borrowers, freelancers, and business owners who deserve homeownership.
No obligation. No credit check to get started.
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.
A mortgage program designed for self-employed borrowers who may not be able to verify income through traditional documentation.
Instead of tax returns and W-2s, lenders review 12 to 24 months of personal or business bank statements to calculate your qualifying income.
Many self-employed individuals write off significant business expenses on their tax returns, which can make their taxable income appear lower than what they actually earn. Bank statement loans solve this problem by looking at your actual cash flow and deposits rather than your adjusted gross income.
This program is ideal for freelancers, small business owners, independent contractors, gig economy workers, and anyone whose tax returns don't fully reflect their true earning power.
Designed specifically for borrowers whose income doesn't fit the traditional mold.
Skip the hassle of complex tax documents. Bank statements tell the story of your income.
Built for entrepreneurs and independent workers. We tailor our process to the unique financial landscape of self-employment.
Income calculated based on actual bank deposits, often resulting in significantly higher qualifying income.
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.
Simple and stress-free, application to closing.
Speak with a specialist to discuss your self-employment situation and goals.
Provide 12-24 months of personal or business statements. We calculate qualifying income from deposits.
Receive your pre-approval letter so you can shop confidently.
Personalized support through underwriting and closing.
Answers to the most common questions about bank statement loans in Texas.
Lending Arena offers the full mortgage product set across Texas. See what else might fit your situation.
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.