Skip the tax returns. Texas bank statement loans let self-employed borrowers qualify using 12–24 months of real bank deposits. Up to 90% financing available.
If your income is real but your tax returns don't show it, this program was designed for you.
LLC, S-Corp, and sole proprietors with strong deposits but heavy tax deductions.
Independent contractors, consultants, and gig economy workers with variable income.
Investors with rental income flowing through their accounts who need flexible verification.
Contractors, event professionals, and others whose income peaks at certain times of year.
Earners with multiple income streams that are hard to document on a traditional application.
Applicants with significant assets and deposits who prefer not to share full tax documentation.
Your tax returns don’t tell the whole story. Our bank statement loan programs recognize your actual cash flow and earning power, giving self-employed Texas borrowers an honest path to homeownership.
Qualify using 12–24 months of personal or business bank deposits. Your tax write-offs won’t hold you back from qualifying for the home you deserve.
We analyze your actual deposits, not your adjusted gross income. For business accounts, we apply an industry-standard expense ratio so your real cash flow shines through.
Put as little as 10% down. Combined with competitive non-QM rates, you keep more capital working in your business while still purchasing your dream home.
Whether you’re a 1099 contractor, LLC owner, freelancer, gig worker, or sole proprietor — if you have consistent bank deposits, we have a path to approval.
Only 10% down for primary residences. No tax return documentation, no W-2 requirements. Just your bank deposits.
We understand self-employed income. Our underwriters manually review your deposits, seasonality, and business patterns.
No waiting on CPA letters or IRS transcripts. Bank statements are sourced quickly, meaning faster closings on your timeline.
From first call to closing day — here's your bank statement loan timeline.
Speak with an STX Lending loan officer to review your bank deposit history, business structure, and property goals. We’ll tell you exactly which program fits.
Gather 12 or 24 consecutive months of personal or business bank statements. We’ll run your qualifying income calculation and provide a pre-approval letter.
Our underwriters manually review your deposit patterns, verify business activity, and order an appraisal on your property. Average timeline: 21–30 days.
Sign your final documents and receive the keys. We coordinate title, insurance, and funding to keep your closing on schedule.
Your income is determined by your deposits — not your AGI. Here's how lenders calculate it.
You’ll need at least 2 years of self-employment history. We can sometimes accept 1 year if you have prior W-2 experience in the same field.
12 or 24 consecutive months of statements from the same account. Personal statements count 100% of deposits; business statements use ~50% after expenses.
Typically 3–12 months of PITI reserves required, depending on loan amount and credit profile. Retirement accounts, stocks, and savings all count.
Primary residences, second homes, and investment properties. Single-family, townhomes, condos, and 2–4 unit properties all eligible throughout Texas.
Side-by-side comparison to help you choose the right program.
Project your monthly payment and see how much home you can afford.
Answers to the most common questions about qualifying with bank deposits instead of tax returns.