Self-Employed & Non-QM Loans

Bank statement, 1099 and investor loans across the Houston area

Home Loans for Self-Employed Buyers

Your Mortgage Lender in the Houston area

If you own a business, work on commission, or write off a lot on your taxes, a regular mortgage may not show the income you really earn. Non-QM loans look at your finances a different way, so self-employed buyers and real estate investors in Deer Park and across the Houston area can still get a home loan.

Ways to Qualify Without Using Your Tax Returns

Bank statement loans use 12 or 24 months of personal or business bank deposits to figure your income.
1099 loans for independent contractors and gig workers.
Investor (DSCR) loans qualify a rental property based on the rent it brings in.
Asset-based loans use your savings and investments instead of a paycheck.

Program availability depends on your situation, so call or text me at 281-978-2106 and we will find the right fit.

Straight Answers, No Pressure

Is a Non-QM Loan Right for You?

Non-QM loans usually need a larger down payment and can carry a higher rate than a regular loan. That is why we always check FHA, VA, USDA and conventional options first. If a regular loan works for you, that is what we will recommend. If not, we will walk you through your non-QM options with the numbers side by side.

Related Loan Options

Home Equity & HELOC | Conventional Loans | FHA Loans | Down Payment Help

Clifton Saunders, NMLS #230688 | New American Funding, NMLS #6606 | Equal Housing Opportunity. Subject to credit approval; not all applicants will qualify. Loan programs, rates, down payment requirements and guidelines can change at any time. This is not a commitment to lend. Call or text 281-978-2106 to confirm current details.

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