Non-QM Loans for
Self-Employed Texans.

Qualify using 12–24 months of bank statements — no tax returns required. Built for business owners, freelancers, and high earners whose write-offs make traditional qualification difficult.

Program Types

• Bank Statement Loans — 12 or 24 months personal or business statements
• P&L Only — qualify using a CPA-prepared profit and loss statement
• 1099 Only — qualify using 1099 income without full tax returns
• Asset Depletion — qualify using liquid assets rather than income
• Available for primary, second home, and investment properties
• No tax returns required in most cases