3.5% Dallas Texas FHA Mortgage Lenders-Serving All Texas

1 Year Texas Self Employed Mortgage Lenders

Special Considerations By Texas 1 Year Self Employed Bank Statement Mortgage Lenders

You can use either business or personal no commingling.
Use 12 months business Texas Bank account or personal account depending on the lender.
Deposits which are transferred from a business account into a personal account are OK.
You may combine W2 income with Texas Bank Statement mortgage income as long as the income is not being counted twice.
Foreign Texas Bank Statement mortgages and Foreign Assets may be considered and must be translated to English.

Texas 1 Year Self Employed Bank Statement mortgage Loan Application Process

To apply for a Texas Bank Statement mortgage loan you would fill out our full mortgage application. Then provide your last 12 or 24 months’ worth of Texas Bank Statement mortgages from a personal or business Texas Bank account. Texas Bank Statement mortgage loans are processed through a manual underwriting process. This means the income is calculated by a person so the process can take 24 -48 hours.

Texas 1 Year Self Employed Bank Statement mortgage loan:

You must prove self-employment for a minimum 1 years.
Must provide proof of 12-month rental history or and 3-6 months future payments in reserves.
You must have at least 10-20% down.
You must have 4-6 months of PITI reserves
You may qualify with as little as a 12-months Texas Bank Statement mortgage.
You must have a credit score of 600 or above to qualify.
The minimum loan amount is $100,000, and the maximum loan is $5,000,000.

What Documents Do I need for a 1 Year Texas Bank Statement mortgage Lender?

Proof of income = Your most recent 12- or 24-months Texas Bank Statement mortgages Business or Personal Texas Bank Statement mortgages EVERY PAGE EVEN BLANKS in PDF labeled by month.
PDF proof of down payment statement= 2 Months Texas Bank Statement mortgages to source funds..
Proof of 2 years in the same business or line of work = To include business licenses or satisfactory evidence of self-employed to cover previous 24 months that could include: Articles of incorporation, 2 years of 1099 s, Business license more than 2 years or accountant letter stating more than 2 years in the same business.
Obligations = Divorce decree, Child support or court order required payment statements. Only if applies.
ID = Driver’s license, SS Card.
Mortgage Statements = For rental properties including taxes and insurance statements. Only if applies.
W2 or 1099= If you have separate W2 or 1099 income you would like to use to qualify please provide.
Purchase and Sale Contact. Only if you have one.
Verified Timely Rent Payments- For Purchases Only – Please send front and backs of checks clearing your account or wire transfer’s for the most recent 12 months to verity timely rental payments.

What Are the Advantages of a Self Employed For 1 Year Texas Bank Statement mortgage Loan?

In summary, these are the advantages of a Texas Bank Statement mortgage loan:

The lender can look at 12 or 24-month Texas Bank Statement mortgages.
30 Year Fixed Options.
Texas Bank Statement mortgage only mortgage lenders do not need to look at your tax returns.
Your income statements are made up of the average monthly income deposits.
You can get a Texas Bank Statement mortgage home loan for as little as 10 percent down.
You can do a cash-out refinance.
You can borrow up to $5 million.
Debt to income ratio up to 55 percent.

Eligibility Requirements for a 1 Year Self Employed Texas Bank Statement Mortgage Loan?

Eligibility for a Texas Bank Statement mortgage requires total deposits minus disallowed deposits. This amount is then divided by the number of Texas Bank Statement mortgages, whether it is the 12 or 24 months statement.

Another option is that if the co-borrower is a W2 employee you can use a hybrid of W2 and tax return income from the co-borrower and Texas Bank Statement mortgage income from the borrower or assets from the co-borrower and Texas Bank Statement mortgages from the borrower. Non-QM loans can use multiples sources of blended incomes to qualify.

Deposits which are disallowed in regards to a Texas Bank Statement mortgage loan include transfers between Texas Bank accounts and cash or large deposits, which can raise a level of concern and may require a letter of explanation.

TEXAS BAD CREDIT Texas Bank STATEMENT MORTGAGE LENDERS

TEXAS BAD CREDIT Texas Bank STATEMENT MORTGAGE LENDERS- Are you self-employed or 1099 wage earner and having a hard time getting pre-approved for a TEXAS mortgage because you have bad credit? We know the story. They have a great top line, but after the accountant works their magic there isn’t much adjusted gross income left to by a TEXAS home. Bad credit Texas Bank statement Business Lenders can help!…
NO TAX RETURN BAD CREDIT TEXAS USE Texas Bank STATEMENT FOR INCOME!

FHA MORTGAGE LENDERS DALLAS TEXAS–
DALLAS TEXAS FHA MORTGAGE ADVANTAGES INCLUDE:

FHA MORTGAGE LENDERS SERVING ALL Dallas city TEXAS –

NO INCOME VERIFICATION TEXAS MORTGAGE LENDERS

12-24 MONTH TEXAS BANK STATEMENT MORTGAGE LENDERS PROGRAM
Serving All Texas Including And Not Limited To Fort Worth Texas, Austin Texas, Dallas Texas, San Antonio Texas, Houston Texas Stated Income Mortgage Lenders

Texas-Mortgage-Lenders.com Serving Every City in Dallas Texas. Mortgage loan programs include:

Dallas Texas no tax return mortgage lenders+purchase or refinance

NO TAX RETURN TEXAS MORTGAGE LENDERS PROGRAMS

Good Credit – Bad Credit – No Credit + No Problem + We work with all South Houston City Texas FHA mortgage applicants towards home ownership! Whether you’re a South Houston City Texas first time home buyer, moving to a new South Houston City home, or want to FHA refinance you’re existing conventional or FHA mortgage, we will show you how to purchase or refinance a South Houston City Texas home using our full doc mortgage programs or bank statement only mortgage program
NO TAX RETURN TEXAS MORTGAGE LENDERS – Get Approved!

NO TAX RETURN TEXAS MORTGAGE LENDERS – Get Approved!

No Tax Return Texas Mortgage Lenders

NO TAX RETURN SELF EMPLOYED MORTGAGE LENDERS– Houston Texas No Tax Return Mortgage Lenders
NO DOC TEXAS COMMERCIAL MORTGAGE LENDERS– Houston Texas Stated Income Mortgage Lenders
Serving All Texas Including And Not Limited to Fort Worth Texas, Austin Texas, Dallas Texas, San Antonio Texas, Houston Texas
NO DOC TEXAS MORTGAGE LENDERS – NO TAX RETURN MORTGAGE USING BANK STATEMENTS FOR INCOME
NO TAX RETURN TEXAS MORTGAGE LENDER SERVING ALL TEXAS

FHA MORTGAGE LENDERS SERVING ALL Dallas city TEXAS –

Dallas city TEXAS MORTGAGE PROGRAMS

BANK STATMENT ONLY TEXAS MORTGAGE LENDERS- No tax returnes needed No 4506T. We use bank statements from business or personal to purchase a Texas home.
FORECLOSURE OR BANKRUPTCY TEXAS MORTGAGE LENDERS- Learn how you can purchase a home after a recent bankruptcy or Foreclosure.
Dallas city TEXAS STATED MORTGAGE LENDERS – Stated mortgage lenders can now qualify self employed home buyers for primary homes based on a 12 or 24 months bank statements deposits history.Read More>>

FIRST TIME HOME BUYER Dallas city TEXAS FHA MORTGAGE LENDERS – The FHA mortgage is not only for first time home buyers. Anyone purchasing a primary home can use the FHA loan. The FHA mortgage is popular with first time home buyers because of the with a low down payment requirement. In additions, bad credit, no credit mortgage applicants will find the FHA mortgage program is the only option to purchase a home. Read more »

BAD CREDIT Dallas city TEXAS FHA MORTGAGE LENDERS – Bad Credit FHA mortgage loan approvals are approved based on a more common sense approach to mortgage lending meaning bad credit borrowers with past foreclosure or Bankruptcy, tax liens, and collections or judgments can still qualify can qualify to purchase a home. Read more »

NO CREDIT SCORE Dallas city TEXAS FHA MORTGAGE LENDERS – FHA loan applicants with no credit score lack of trade lines can still qualify for an FHA mortgage loan using alternate trade lines to build a credit or payment history.Read more »

CONDO Dallas city TEXAS FHA MORTGAGE LENDERS– Search and purchase an FHA approved condo using the FHA mortgage program. Read more »

TOWNHOUSE Dallas city TEXAS FHA MORTGAGE LENDERS – The FHA mortgage program was created to help increase home ownership. The FHA program makes buying a townhouse home easier and less expensive than any other types of real estate mortgage home loan programs Read more »

VILLA Dallas city TEXAS FHA MORTGAGE LENDERS– This FHA loan program was created to help increase home ownership. The FHA program makes buying a villa easier and less expensive than any other types of real estate mortgage home loan programs Read more »

MULTIFAMILY Dallas city TEXAS FHA MORTGAGE LENDERS– This FHA loan program was created to help increase home ownership. The FHA program makes buying a multifamily duplex, triplex or four unit easier and less expensive than any other types of real estate mortgage home loan programs. Read more »

JUMBO Dallas city TEXAS FHA MORTGAGE LENDERS– The Jumbo FHA mortgage loan can be used in higher cost areas over 417,000 to help borrowers qualify for a Jumbo low down payment FHA mortgage option.Read more »

GIFTS ALLOWED Dallas city TEXAS FHA MORTGAGE LENDERS – When apply with an FHA mortgage lender you must document where your down payment came from. If you are getting a gift from a family member you must document the transfer, the documenation is very precise. Make sure the follow the FHA rules for a gift step by step, otherwise you may not be able to use the gift funds! Read more »

MODULAR HOME Dallas city TEXAS FHA MORTGAGE LENDERS – The FHA Title I modular home loan mortgage may be used for the purchase or refinancing of a manufactured home and land built after 1977, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination. The home must be used as the principal residence and never moved from its original location. In addition you must own or buy the land with home. Read more »

INVESTMENT PROPERTY ABE Dallas cityS FLORIDA FHA MORTGAGE LENDERS– The idea of owning a multi family real estate investment property can be a very good idea for those who prepare the tenants to make the FHA mortgage payments.

FORECLOSURE OR BANKRUPTCY Dallas city TEXASFHA MORTGAGE LENDERS – People with recent foreclosure or bankruptcy us the FHA mortgage to purchase or refinance a home every day! Read more »

STREAMLINE REFINANCE Dallas city TEXAS FHA MORTGAGE LENDERS– Lowering your monthly mortgage payment is easier than ever with an FHA streamline refinance mortgage you do not even need a new appraisal! Read more »

DEBT CONSOLIDATION Dallas city TEXAS FHA MORTGAGE LENDERS– An FHA Debt Consolidation Mortgage Refinance can lower your total monthly payment obligations. Contact us now to show you how much money you can save! Read more »

COLLECTION AND JUDGMENTS Dallas city TEXAS FLORIDA FHA MORTGAGE LENDERS – The Federal Housing Administration (FHA) offers mortgage applicants to the opportunity to purchase a home even with collections and judgements. Read more »

MANUAL UNDERWRITING Dallas city TEXAS FHA MORTGAGE LENDERS– If our local bank does not approve you for an FHA mortgage its still possible to qualify for an FHA mortgage using compensating factors and manual underwriting to qualify. Read more »

LOAN LIMITS FOR Dallas city TEXAS FHA MORTGAGE LENDERS – FHA mortgage loan limits very by county. You can purchase above the FHA mortgage loan limit but you would have to come up with the difference. Read more »

DEBT TO INCOME RATIOS FOR Dallas city TEXAS FHA MORTGAGE LENDERS– The FHA mortgage program will allow higher debt to income ratios than any other first time home buyer programs. Read more »

EXCLUSION LIST FOR Dallas city TEXAS FHA MORTGAGE LENDERS – If you have a past Foreclosure or Student loan in default you may not quality for an FHA mortgage. Read more »

SELLER PAID CLOSING Dallas city TEXAS FHA MORTGAGE LENDERS– Many FHA mortgage applicants find that the FHA mortgage is one of the most affordable mortgage programs allowing the seller to pay the buyers closing cost. Read more »

OCCUPANCY RULES FOR Dallas city TEXAS FHA MORGAGE LENDERS – FHA mortgage loans are for primary home use only. Read more »

VA BAD CREDIT Dallas city TEXAS FHA MORTGAGE LENDERS– VA loan applicants will find that the VA loan has the most flexible loan requirements available to purchase or refinance a home up to 100% loan to value even if you have your a veteran with a foreclosure or bankruptcy. Contact US mortgage lenders to learn how to put your (COE) certificate of eligibility to good use. Read more »

USDA Dallas city TEXAS BAD CREDIT FHA MORTGAGE LENDERS – US mortgage lenders has access to USDA mortgage lenders approving borrowers all the way down to a 550 middle credit score. If you can prove the ability to pay your bills on time then we may have a USDA mortgage lender for you. Read more »

JUMBO Dallas city TEXAS BAD CREDIT MORTGAGE LENDERS–US Mortgage lenders has access to jumbo mortgage lenders and jumbo portolio lenders approving jumbo loan applicants for loan amounts over 417,000 with credit down all the way down to a 600 middle credit score! Read more »

HARD MONEY Dallas city TEXAS BAD CREDIT MORTGAGE LENDERS– If you have large enough down payment and can prove the ability and willingness to pay your bills on time then we may have a hard money lender for you. US Mortgage lenders has access to private lenders and portfolio hard money lenders approving borrowers for loans that your bank will never consider. Read more »

Dallas city TEXAS CITY DATA

Population in 2016: 1,317,942
Males: 655,438 (49.7%)
Females: 662,504 (50.3%)
Median resident age: 32.7 years
Texas median age: 34.5 years

Zip codes: 75032, 75039, 75041, 75043, 75060, 75061, 75062, 75075, 75080, 75081, 75087, 75088, 75089, 75098, 75116, 75126, 75134, 75141, 75150, 75166, 75182, 75201, 75202, 75203, 75204, 75205, 75206, 75207, 75208, 75209, 75210, 75212, 75214, 75215, 75216, 75218, 75219, 75220, 75223, 75224, 75225, 75226, 75227, 75228, 75229, 75230, 75231, 75232, 75233, 75234, 75235, 75236, 75237, 75238, 75240, 75241, 75243, 75246, 75247, 75251, 75252, 75270, 75390.

Cities Around Dallas, Texas

Addison, TX
Allen, TX
Alvarado, TX
Argyle, TX
Arlington, TX
Balch Springs, TX
Bardwell, TX
Bedford, TX
Caddo Mills, TX
Carrollton, TX
Cedar Hill, TX
Chatfield, TX
Colleyville, TX
Copeville, TX
Coppell, TX
Crandall, TX
Denton, TX
Desoto, TX
Duncanville, TX
Elmo, TX
Ennis, TX
Euless, TX
Fate, TX
Ferris, TX
Flower Mound, TX

Forney, TX
Forreston, TX
Fort Worth, TX
Frisco, TX
Garland, TX
Grand Prairie, TX
Grandview, TX
Grapevine, TX
Hurst, TX
Hutchins, TX
Irving, TX
Josephine, TX
Kaufman, TX
Kemp, TX
Kennedale, TX
Lake Dallas, TX
Lancaster, TX
Lavon, TX
Lewisville, TX
Lillian, TX
Mansfield, TX
Maypearl, TX
Mesquite, TX
Midlothian, TX
Nevada, TX

North Richland Hills, TX
Palmer, TX
Plano, TX
Princeton, TX
Red Oak, TX
Richardson, TX
Roanoke, TX
Rockwall, TX
Rosser, TX
Rowlett, TX
Royse City, TX
Sachse, TX
Scurry, TX
Seagoville, TX
Southlake, TX
Sunnyvale, TX
Terrell, TX
The Colony, TX
Venus, TX
Waxahachie, TX
Wilmer, TX
Wylie, TX

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