Texas No Income Verification Mortgage Lenders

Texas No Income Verification Mortgage Lenders

Use Your Bank Statement Deposits for income to purchase a Texas Primary, 2nd Home or Investment! Use Bank Statement Deposits for income to Purchase or Refinance a Primary, 2nd Home or Investment!



Texas Mortgage Lenders.com we structure customized no-tax return loan programs for both self-employed Texas mortgage applicants who have trouble documentation their income. We have helped many self-employed Texas real estate professionals, recently divorced and retired borrowers who have good credit and strong liquid reserves, and/or balance sheet qualify for a mortgage after being denied a mortgage.

Texas Self Employed Get Mortgage Approval with NO Tax Returns!

Texas Self Employed Mortgage Lenders Highlights

  • Min 660 Credit for 10% Down Min 3 months reserves.
  • Min 600 Credit for 15% Down Min 3 months reserves.
  • No tax returns required
  • 12 month personal bank statements
  • 24 month business bank statements
  • Loans up to $3 million
  • Credit scores down to 600
  • Up to 90% LTV on Personal and Business with no MI
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes and investment properties
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Non-warrantable condos considered
  • Jumbo loans down to 600 score
  • 5/1 ARM or 30-year fixed
  • No pre-payment penalty for owner-occ and 2nd homes
  • Seller concessions to 6% (2% for investment)
  • 2 year self-employed required

CALL NOW 954-667-9110


Max Loan Amount Min Down   Credit Score Reserves
$3,000,000 20%   600 2-4 Month

Bank StatementTexas Mortgage Lenders

Max Loan Amount Min Down Min Credit Score Min Reserves
$3,000,000 10% 660 4-6 Month

NO Tax Return-TexasCash-Out Refinance Mortgage lenders

OurTexas No income or Stated Mortgage loans are approved for self-employed borrowers that can verify income by using bank deposits via bank statements. NO Tax Returns are needed!


  • No income verification
  • No debt-to-income calculations
  • No minimum credit score
  • Credit score only used to determine tiers
  • Close in as little as two weeks

www.Florida-Mortgage-Lenders.comTexasNo Income Verification Investor Loans 6 month I/O 10 Due-in-3 15 Due-in-3

Purchase Cash-out Refi Purchase Cash-out Refi Purchase Cash-out RefiTexas Real Estate

Terms include:  6 months 36 months 36 months

Amortization Interest-Only 120 months 180 months

Tier 1 Rate, Points* 13%, 4 points 14%, 4 points 14%, 4 points

Tier 2 Rate, Points 14%, 5 points 15%, 5 points 15%, 5 points

Tier 3 Rate, Points 15%, 6 points 18%, 6 points 18%, 6 points

LTV 65% 50% 65% 50% 65% 50%

Min. Property Value $30K $36K $50K $80K

Property Condition C1-C5 C1-C4 C1-C4

Investment Purpose Flip Flip or rent Rent only


  • Driver’s License
  • Property Address
  • Insurance Policy
  • Closing Fee
  • Credit Score


  • Pay Stubs
  • Tax Returns
  • W-2s
  • K-1s
  • 1099s
  • Bank Statements
  • Investment History
  • Business Plans
  • Property Inspection
  • Full Credit Report

Flipping a Texas property?  Our short-term interest-only loan lets you keep cash available for improvements and other opportunities. Renting out a Texas home? Our 10-year and 15-year loans keep your no income verification mortgage payments low. Texas No income verification lenders providing loans for home investors.  As always, we lend our no income verification loans based primarily on the Texas home value, which means a fast, simple, dependable process:And with loans up to $300,000 and a wide variety of terms, we can help you reach all of your investment goals.No Muss, No Fuss Loans. Unlike other Texas no income verification lenders, we focus on the value oftheTexas home. Our no income loans provide Texas homebuyers with a fast and easy approval process. Simply complete an application, provide an appraisal and clear title, and we’re ready to roll. As always, our customers never have to worry about stacks of paperwork and time-consuming personal verifications, which means:

  • 1.No income verification
  • 2.No debt-to-income calculations
  • 3.Close in as little as two

If you have unverifiable income generating from substantial savings the no income verification loan might be bestTexas mortgage you can use to purchase real estate. A No Doc or No income verificationTexas loan is not for everyone, if you fit the loan parameters, it can be a great tool for buying real estate.What is a no income verification asset-based loan? This loan is called an asset-based loan or asset depletion loan. Essentially the no income verification loan takes your assets and spreads them over 360 months (or less in some cases) to create your monthly income.Who can benefit the most from this type of Texas no income verification home loan Those who are retired (or close to it) with a liquid high net-worth.What kinds of assets qualify for a no income verification home loan? No income verification loans largely depend on your goal. If you are purchasing a primary single family home and plan on using assets from your 401k then Freddie Mac or Fannie Mae will suit you well. If, however, your assets are more complicated and you would like to utilize the program to purchase Texas investment property then a portfolio lender will be a better fit.NO INCOME Texas MORTGAGE VERIFICATION GUIDELINES- Whoever is listed on the asset account must be on the mortgage.The assets you are using must be liquid, available to you with no penalty and a direct result of employment-related savings (i.e., retirement savings):

  • Retirement accounts such as 401(k), IRA, SEP, KEOGH account; any account recognized by the IRS.
  • Stocks
  • Bonds
  • Mutual Funds
  • Non-self-employed severance package.
  • Non-self-employed lump-sum retirement.

The Fannie Facts:

  • Down Payment Required: 30%
  • Minimum Credit Score: 620
  • Loan Purpose: Purchase or No Cash-Out Refinance
  • Type of Home: Primary Residence or Second Home
  • Acceptable Property Type: 1-4 Units

General Freddie Mac Asset GuidesWhoever is listed on the asset account, must be on the mortgage.The assets you are using must be liquid, available to you with no penalty and a direct result of employment-related savings (i.e., retirement savings):

  • Retirement accounts such as 401(k), IRA, SEP, KEOGH account; any account recognized by the IRS.
  • Lump-sum monies received (the original source any lump-sum must be employment-related).
  • Assets from the sale of a business.

AcceptableTexas Assets Include:Cash Equivalents

  • Self-Employed Income
  • Retirement (must be of retirement age)
  • CDs
  • Savings
  • Money Market Accounts
  • Public Stocks
  • Bonds
  • Mutual Funds
  • Trust Funds
  • Lotto Winnings
  • Lawsuit Settlements
  • Other Complex Asset Portfolios


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