Bank Statement Loans are designed for self‑employed borrowers, entrepreneurs, and business owners who may not fit traditional income documentation requirements.
Instead of tax returns or W‑2s, these programs use personal or business bank statements to help verify qualifying income, offering a flexible path to homeownership for today's modern workforce.
Uses 12–24 months of personal or business bank statements to help determine qualifying income, rather than tax returns.
Supports business owners, independent contractors, gig‑economy workers, and others with non‑traditional income streams.
Designed to accommodate variable income, business write‑offs, and seasonal earnings patterns.
May be used for primary residences, second homes, and investment properties, depending on program guidelines.
Offers a variety of term lengths and loan formats to align with long‑term financial goals.
Programs may allow the use of business deposits, expense factors, or CPA letters to help document income more accurately for self‑employed applicants.
Bank Statement Loans offer flexibility, modern documentation options, and support for entrepreneurial income, making them a strong choice for self‑employed Texans. Whether you're purchasing a primary residence or expanding your real estate portfolio, these programs provide a practical alternative to traditional financing.
Kay understands non‑traditional income — one conversation, no obligation.
📞 Call 817-456-3555 Apply NowThis is not a commitment to lend. All loans are subject to credit approval, property eligibility, and program guidelines. Terms and conditions may change without notice. Not all applicants will qualify.
We are an Equal Housing Lender. Housing discrimination is prohibited by federal law.
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Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending. Forms and instructions are available at www.sml.texas.gov.