Houston Bank Statement Mortgage
MORTGAGES
FOR THE
SELF EMPLOYED
PEOPLE FIRST, ALWAYS HOUSTON LOCAL
YOUR CPA IS A GENIUS.
YOUR BANK THINKS YOU'RE BROKE.
You didn't build a six-figure business just to get rejected by some loan officer who can't read a P&L statement. Your CPA is brilliant—they've minimized your tax liability like a pro. But traditional banks? They see that bottom line and laugh you out of the building.
The system is broken. They punish you for being smart with your money. They want W-2 employees and predictable income. You're neither. You're a business owner. You're a creator. You're self-employed.
We don't care about your tax returns. We care about your actual cash flow. If money is hitting your account, we're getting you a mortgage. That's honest guidance. That's how we do business.
THE PROCESS
THREE STEPS. ZERO NONSENSE.
Forget the mountain of paperwork. We've stripped the mortgage process down to the bare essentials for business owners.
DITCH THE TAX RETURNS
We don't want them. We don't need them. Burn them (figuratively). Instead, just provide 12-24 months of bank statements. That's your real story.
WE COUNT THE DEPOSITS
We look at the actual money hitting your account. That's your income. Not the 'adjusted' number the IRS sees. We believe in your hustle.
CLOSE & CELEBRATE
Get approved fast. Buy the house. Invite us to the housewarming (optional, but we bring good wine). You earned this.
Add a Title Here
What is a bank statement mortgage?
A bank statement mortgage qualifies you using actual bank deposits, not tax returns.
It’s designed for self-employed Houston borrowers whose income is real, but aggressively written off.
If money comes in. We count it.
Who qualifies for a bank statement loan?
• Self-employed business owners
• 1099 contractors
• Commission-based earners
• Entrepreneurs with heavy deductions
• If your tax return looks broke but your bank account disagrees, this loan exists for you.
Do bank statement loans require tax returns?
No. That’s the feature, not a loophole.
We use 12 or 24 months of bank statements instead of W-2s, pay stubs, or tax returns.
How is income calculated from bank statements?
• We analyze consistent deposits over time to determine qualifying income.
• Business accounts may use an expense factor.
• Personal accounts are even cleaner.
• No guessing. No “CPA letters.” Just math.
Can I use business bank statements?
Yes. Most Houston borrowers do.
Business bank statement loans allow you to:
• Keep deductions
• Preserve tax strategy
• Still qualify for a mortgage
• This is where traditional lenders tap out. We don’t.
What credit score is needed?
Typically 620 or higher.
Better credit improves:
• Interest rate
• Down payment options
• Overall approval strength
• Lower scores aren’t automatic denials. They’re strategy conversations.
How much down payment is required?
Usually 10%–20%, depending on:
• Credit profile
• Loan size
• Property type
• This isn’t a gimmick loan. It’s a certainty loan.
Are bank statement mortgage rates higher?
Yes. Slightly.
But here’s the math most people miss:
• Paying a higher rate is cheaper than paying unnecessary taxes to qualify.
• Rates can be refinanced. Taxes cannot.
Can I buy a primary home in Houston with a bank statement loan?
Yes.
Bank statement mortgages work for:
• Primary residences
• Second homes
• Investment properties
• Houston, Inner Loop, suburbs, acreage, townhomes. All viable.
Are bank statement loans legal?
Completely.
• They are Non-QM loans, meaning non-traditional documentation, not non-regulated.
• Same underwriting discipline. Smarter income analysis.
Why can’t my bank offer this?
Retail banks:
• Don’t understand self-employed income
• Don’t get paid to think
• Default to “try again next year”
• Bank statement lending is specialty work.
• That’s the difference.
Why use Rich Bonn for a Houston bank statement loan?
• Because this is not a side product.
• I specialize in self-employed mortgage lending:
• Bank statement loans
• 1099 loans
• Profit & Loss loans
• Most clients call after being denied elsewhere.
• They close here.
What’s the next step?
• Stop guessing.
• Stop Googling.
• Stop letting the wrong people say no.
• Book a call.
• We review your bank statements.
• We tell you the truth.
OUR FIVE CORE PILLARS
These aren't just words on a wall. They're how we operate every single day. They're why we're different.
People First, Always
You're not a loan number. You're a person with dreams, a business, and a family. We treat you like we'd want to be treated.
Honest Guidance, No Fear
We tell you the truth. Even when it's uncomfortable. Even when it's not what you want to hear. That's what trust looks like.
Creative Solutions, Built Correctly
Every situation is different. We don't force you into a box. We build solutions that actually work for your life.
Education Is the Service
We teach you. We explain everything. A confused customer is a bad customer. We want you to understand every step.
Trust Is the Only
KPI
We don't measure success by commissions. We measure it by whether you'd recommend us to your best friend.
WHY HOUSTON PROS CHOOSE US
Designed specifically for the self employed mortgage market.
HIGHER LOAN LIMITS
Because we use your real cash flow, you qualify for more house. Stop settling for the "start home" when you can afford the dream home.
LIGHTNING FAST
Traditional mortgages take 45-60 days of torture. We move at the speed of business.
Asset Protection
Keep your business funds where they belong—in your business.
TEXAS EXPERTS
We know the Houston market. We know the neighborhoods. We know your world.
THE LINEUP
WHO IS THIS FOR?
Freelancers who write off everything
Business owners with cash flow but low net income
Real Estate Investors (Airbnb/VRBO)
Contractors & 1099 Workers
Doctors, Lawyers & Consultants
STOP
BEGGING.
START
OWNING.
You've built the business. You've made the money. Now get the mortgage that respects your hustle. No tax returns required. Just honest guidance.
PROUDLY SERVICE THE HUSTLERS OF
Houston The Woodlands Sugar Land Katy Pearland League City Pasadena Spring Cypress Galveston
