Loan Program
Bank Statement Loans
Qualify on deposits — built for self-employed Texans.
Overview
For self-employed Texans, tax returns rarely tell the full story of what you actually earn. Bank statement loans qualify you on 12–24 months of deposits — real revenue, minus real business expenses — instead of adjusted taxable income.
Who it's for
- 1099 contractors
- Business owners and LLC members
- Real estate agents, brokers, and consultants
- Anyone with strong deposits and heavy write-offs
Benefits
- Qualify on deposits, not tax returns
- 12 or 24-month statement programs
- Personal or business accounts
- Loan sizes into the millions
Common Questions
How is income calculated?
We take average monthly deposits and apply an expense factor based on your business type — often 50% or a CPA-provided figure.
What credit is required?
Generally 660+, with best pricing at 720+.
Can I use this for investment property?
Yes — bank statement programs work for primary, second home, and investment purchases.
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