Homeowner considering a cash out refinance

Bank Statement Mortgage Loans in Southlake, TX

If you're self-employed, a freelancer, or a business owner, your tax returns might not show your true income. That’s why we offer bank statement mortgage loans—an alternative path to home financing that reflects your real cash flow, not just your write-offs.

How Bank Statement Loans Work

Bank statement loans allow you to qualify for a mortgage based on 12 or 24 months of business or personal bank deposits, instead of W-2s or tax returns. They're designed for financially solid borrowers with non-traditional income who want to buy or refinance without jumping through unnecessary hoops.

Who These Loans Are Great For

Self-employed entrepreneurs and small business owners
Freelancers, consultants, and gig economy workers
Real estate agents or commissioned sales professionals
Anyone with strong bank activity but limited tax return income

Key Benefits of Bank Statement Loans

No tax returns or W-2s required
Qualify with 12 or 24 months of bank statements
Personal or business account options
Loan amounts up to $3 million or more
Can be used for purchase or refinance
Available for primary homes, second homes, and investment properties

How the Process Works

Free Consultation – We assess your situation and review bank activity
Bank Statement Analysis – We calculate qualifying income based on deposits
Loan Matching – We pair you with a lender offering flexible terms
Application & Underwriting – Fast review with alternative income documentation
Closing Day – You get the keys—or the cash—with confidence

Expert Help for Self-Employed Buyers

We understand complex income situations
Access to lenders that specialize in non-QM (non-qualified) loans
Clear expectations and fast answers
Respect for your time and your business
Local Southlake service with nationwide reach

You Work for Yourself—We Work for You

Let’s build your loan around your bank deposits, not your deductions. We’ll help you qualify with what you actually earn.

Call Now

Bank Statement Loan FAQs

Do I need a certain credit score?

Most programs require at least a 620–660 score, but better scores unlock better rates.

Can I use a mix of business and personal statements?

Yes. Some programs allow either, and we’ll guide you based on what you have.

Are these rates higher than traditional loans?

Slightly, yes—but they're often very competitive, especially for borrowers with strong financial profiles.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.