Flexible Mortgage Loans for Business Owners, Entrepreneurs, Freelancers and Independent Contractors

Simple qualifying self-employed mortgage loans for Texas homeowners.

Close with confidence.


No tax returns or tedious employment paperwork required

We know traditional mortgage loans pose a serious challenge for self-employed and independent professionals because your tax returns don’t reflect your full income and financial capabilities. Our bank statement mortgage loans allow you to purchase or refinance a Texas home without the use of traditional income documentation. Instead, you can qualify based on your bank statements – either business or personal.



Bank Statement Mortgage Loans Texas

  • Enjoy market leading unbeatable 30 year fixed rates. (buydowns available)
  • Interest only option, 40-year fixed term- interest only for 10-year period, converts to fully amortized payment for remaining 30-years.
  • Free 60-day rate lock-2-week extensions for bank statement home loans in Texas.
  • Refinance mortgage Texas – cash-out up to 85% of property value.
  • Best refinance rates in Texas start in the low 4% range. Homelife Mortgage is the best bank statement loan refinance lender in Texas.
  • Bank Statement Home Loans in Texas qualify with 12- or 24-months business or personal bank statements.
  • Bank Statement mortgage loans Texas loan amounts from $250,000 to $5 million
  • Occupancy – primary, second home, and investment property.
  • No (MI) mortgage insurance is required for our self-employed mortgage bank statement loans
  • Self-employed mortgage – property types. Single family, condo, townhomes, 2-4 units

Increase your chances of approval with our free guide

Download our free eBook below to learn the ins and outs of bank statement loans and everything you need to know to apply and qualify for your loan in Texas.


Get a fast pre-approval in just 24 to 48 hours.

Know your rate and closing costs from the very start.