Bank Statement Loans
Bank Statement loans are designed for self-employed borrowers in Dallas-Fort Worth, Texas whose tax returns don’t accurately reflect their income. Instead of W-2s or tax returns, lenders use bank deposits to qualify you for a Dallas-Fort Worth mortgage.
Key Features
✔ Income Verified by Bank Deposits – Perfect for Dallas-Fort Worth entrepreneurs.
✔ 12–24 Months of Statements – Personal or business accounts accepted.
✔ Higher Loan Limits – Competitive jumbo options for Dallas-Fort Worth Texas properties.
✔ Flexible Credit Guidelines – Tailored for self-employed borrowers.
Eligibility & Guidelines
✔ Typically require 12–24 months of bank statements.
✔ Minimum credit score around 620–660.
✔ Down payment often 10%–20%, with strong reserves recommended.
✔ Available for primary residences, second homes, and investment properties in Dallas-Fort Worth.
Ideal For
✔ Self-employed professionals and small business owners in Dallas-Fort Worth, Texas.
✔ Freelancers, gig workers, or commission-based earners buying a Dallas-Fort Worth home.
✔ Borrowers with strong cash flow but significant tax deductions.
Our Dallas-Fort Worth mortgage team understands the unique needs of entrepreneurs and will help you leverage your true income to qualify for the home or investment property you want.