Texas Bank Statement Loans for Self-Employed Borrowers

Flexible Mortgage Solutions Tailored for Business Owners, Entrepreneurs,
Freelancers, and Real Estate Investors

Buying or refinancing a home
in Texas just got easier.

If you're self-employed, you know how challenging traditional mortgage guidelines can be. At HomeLife Mortgage, we specialize in Bank Statement Loans—mortgages that don’t require tax returns, W-2s, or pay stubs. Instead, we use 12 to 24 months of your personal or business bank statements to qualify you for a home loan.

Whether you’re in Houston, Dallas, Austin, San Antonio—or anywhere across the Lone Star State—we help turn your bank deposits into real mortgage approval power.

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What Is a Bank Statement Mortgage?

A Bank Statement Mortgage (also known as a Bank Statement Loan) is designed for self-employed Texans who need flexible income documentation. It’s ideal for:

Small business owners

Freelancers and 1099 workers

Independent contractors

Real estate investors

Entrepreneurs

Texas Bank Statement Mortgage Highlights

No tax returns or W-2s required
Use 12–24 months of bank statements to qualify
Loan amounts up to $5 million
30- or 40-year fixed, or interest-only loan terms
Available for primary homes, second homes, and investment properties

Who Qualifies for a Texas Bank Statement Loan?

Our bank statement mortgage lenders look at your real income—not just what’s on paper. You may qualify if you have:

2+ years of
self-employment history

12 to 24 months of business
or personal bank statements

CPA or tax preparer letter
verifying self-employment

Minimum 660
credit score

At least 10%
down payment

Flexible DTI
(debt-to-income) ratios

Why Self-Employed Borrowers Choose Us

Texas is booming with entrepreneurs, gig workers, and real estate investors. At HomeLife Mortgage, we understand self-employed borrowers better than most. That’s why we offer:

Custom-tailored bank statement mortgage
loans for Texas’s self-employed

Access to exclusive
bank statement lenders

Purchase, refinance,
or cash-out options

Interest-only and
40-year terms available

Texas Bank Statement Loan Rates Today

Your bank statement loan rate depends on:

Credit Score – Higher scores unlock lower rates
Down Payment – 10% minimum, but more down = better pricing
Loan Term – Choose from 30-year fixed, 40-year fixed, or 40-year interest-only

We’ll guide you through rate-and-term or cash-out refinancing options to meet your goals. Want the lowest bank statement loan rates today? We can help you buy down your rate with points—or choose a no-fee loan with slightly higher pricing.