• 2 Years Self Employed Required!
  • Bank statement deposits used to qualify!
  • No tax returns required
  • 24 months personal bank statements (Personal and Business)
  • Loans up to $2 million
  • Credit scores down to 500
  • Rates starting in the 5’s
  • Up to 90% Loan to value!
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes, and investment properties
  • 2 years seasoning for foreclosure, short sale, BK, DIL
  • Non-warrantable condos considered
  • Jumbo loans down to 660 score
  • 5/1 ARM or 30-year fixed
  • No pre-payment penalty for owner-occ and 2nd homes
  • SFRs, townhomes, condos, 2-4 units
  • Seller concessions to 6% (2% for investment)

We have emerged as the No Income Verification Texas mortgage lenders for providing No Income Check Mortgages for those Texas mortgage applicants that can provide income by using 12 or 24 months bank statements. The Stated Income No Income Verification program does exist for Texas self-employed for a minimum 2 years. The stated mortgage has specific requirements in order to get Texas mortgage approvals. The No Income Verification program is mostly designed for the self-employed borrower as an option for home financing. This program was created because some self-employed Texas mortgage applicants have a complex way of documenting income. As time has evolved the No Income check program has allowed individuals who are 1099 or retired to also obtain a Texas mortgage. Most Texas mortgage lenders across Texas require that borrowers provide income documentation to qualify for a Texas mortgage loan without income and do not offer no income verification mortgages no matter what the transaction is, either it is a purchase or a refinance.

No Income Verification Texas Mortgage Lenders Bullet Points:

  • No Reserves
  • Up To 75% LTV
  • $2,000,000 loan amounts
  • Interest Only payment available
  • No Pre Payment Penalties

Texas No Income for 1 – 4 unit properties:

  • Investment
  • Business purpose O/O
  • Foreign Nationals
  • Cross Collateralization
  • Fix & Flip

Texas stated no income verification Texas mortgage program that does not require any income documentation at all.

  • No W2’s Required
  • No Tax Returns Required
  • No Pay-Stubs Required

We require 10- 30% down payment for a purchase transaction. There are other requirements that need to be met that’s why we recommend contacting one of our experienced loan officers that specialize in no income verification loans. We are a reputable company and have been around since 1995. Our portfolio of products surpasses that of any other lender.

No Income Verification Texas MOrtgage Program Highlights include:

  • No Tax Returns / W2’s / Pay stubs
  • Loans amounts up to $3 Million
  • 1-4 residential Units and Condos (must be investment property)
  • 5+ Unit Multifamily and Mixed-Use Properties
  • Office, Retail, Warehouse, Self-Storage, Automotive Service.
  • No limit on how many properties owned


Alba Liberty Edna Riesel
Albany Liberty City Edom Rio Bravo
Aldine Liberty Hill Edroy Rio Grande City
Aledo Lincoln Park Eidson Road Rio Hondo
Alfred-South La Paloma Lindale Elbert Rio Vista
Alice Linden El Camino Angosto Rising Star
Alice Acres Lindsay El Campo River Oaks
Allen Lindsay El Cenizo Riverside
Alma Lipan Eldorado Roanoke
Alpine Lipscomb Electra Roaring Springs
Alto Little Elm Elgin Robert Lee
Alto Bonito Littlefield El Indio Robinson
Alton Little River-Academy Elkhart Robstown
Alton North Live Oak El Lago Roby
Alvarado Liverpool Elm Creek Rochester
Alvin Livingston Elmendorf Rockdale
Alvord Llano El Paso Rockport
Amarillo Llano Grande El Refugio Rocksprings
Ames Lockhart Elsa Rockwall
Amherst Lockney Emhouse Rocky Mound
Anahuac Log Cabin Emory Rogers
Anderson Lolita Encantada-Ranchito El Calaboz Rollingwood
Anderson Mill Loma Linda East Enchanted Oaks Roma
Andrews Lometa Encinal Roma Creek
Angleton Lone Oak Encino Roman Forest
Angus Lone Star Ennis Ropesville
Anna Longview Escobares Roscoe
Annetta Lopeno Estelline Rosebud
Annetta North Lopezville Euless Rose City
Annetta South Loraine Eureka Rose Hill Acres
Annona Lorena Eustace Rosenberg
Anson Lorenzo Evadale Rosita North
Anthony Los Alvarez Evant Rosita South
Anton Los Angeles Subdivision Everman Ross
Appleby Los Ebanos Fabens Rosser village
Aquilla Los Fresnos Fairchilds village Rotan
Aransas Pass Los Indios Fairfield Round Mountain
Archer City Lost Creek Fair Oaks Ranch Round Rock
Arcola Los Villareales Fairview Round Top
Argyle Los Ybanez Falcon Heights Rowlett
Arlington Lott Falcon Lake Estates Roxton
Arp Louise Falcon Mesa Royse City
Arroyo Alto Lovelady Falcon Village Rule
Arroyo Colorado Estates Lowry Crossing Falfurrias Runaway Bay
Arroyo Gardens-La Tina Ranch Lozano Falls City Runge
Asherton Lubbock Falman-County Acres Rusk
Aspermont Lucas Farmers Branch Sabinal
Atascocita Lueders Farmersville Sachse
Athens Lufkin Farwell Sadler
Atlanta Luling Fate Saginaw
Aubrey Lumberton Fayetteville St. Hedwig
Aurora Lyford Faysville St. Jo
Austin Lyford South Ferris St. Paul
Austwell Lytle Fifth Street St. Paul
Avery Mabank Flatonia Salado
Avinger McAllen Florence Salineno
Azle McCamey Floresville Samnorwood
Bacliff McGregor Flowella San Angelo
Bailey McKinney Flower Mound San Antonio
Bailey’s Prairie village McLean Floydada San Augustine
Baird McLendon-Chisholm Follett San Benito
Balch Springs McQueeney Forest Hill San Carlos
Balcones Heights Madisonville Forney Sanctuary
Ballinger Magnolia Forsan Sanderson
Balmorhea Malakoff Fort Bliss Sandia
Bandera Malone Fort Davis San Diego
Bangs Manor Fort Hancock
Sandy Hollow-Escondidas
Bardwell Mansfield Fort Hood San Elizario
Barrett Manvel Fort Stockton San Felipe
Barry Marathon Fort Worth Sanford
Barstow Marble Falls Four Corners Sanger
Bartlett Marfa Fowlerton San Ignacio
Barton Creek Marietta Franklin San Isidro
Bartonville Marion Frankston San Juan
Bastrop Markham Fredericksburg
San Leanna village
Batesville Marlin Freeport San Leon
Bausell and Ellis Marquez Freer San Manuel-Linn
Bay City Marshall Fresno San Marcos
Bayou Vista Marshall Creek Friendswood San Patricio
Bayside Mart Friona San Pedro
Baytown Martindale Frisco San Perlita
Bayview Mason Fritch San Saba
Beach City Matador Fronton Sansom Park
Bear Creek village Mathis Frost Santa Anna
Beasley Maud Fruitvale Santa Clara
Beaumont Mauriceville Fulshear Santa Cruz
Beckville Maypearl Fulton Santa Fe
Bedford Meadow Gainesville Santa Maria
Bee Cave village Meadowlakes Galena Park Santa Monica
Beeville Meadows Place Gallatin Santa Rosa
Bellaire Medina Galveston Savoy
Bellevue Megargel Ganado Scenic Oaks
Bellmead Melissa Garceno Schertz
Bells Melvin Gardendale Schulenburg
Bellville Memphis Garden Ridge Scissors
Belton Menard Garfield Scotland
Benavides Mercedes Garland Scottsville
Benbrook Meridian Garrett Seabrook
Benjamin Merkel Garrison Seadrift
Berryville Mertens Gary City Seagoville
Bertram Mertzon Gatesville Seagraves
Beverly Hills Mesquite Georgetown Sealy
Bevil Oaks Mexia George West Sebastian
Bigfoot Miami Geronimo Seguin
Big Lake Midland Gholson Selma
Big Sandy Midlothian Giddings Seminole
Big Spring Midway Gilmer Serenada
Big Wells Midway North Girard Seth Ward
Bishop Midway South Gladewater Seven Oaks
Bishop Hills Mila Doce Glenn Heights Seven Points
Bixby Milam Glen Rose Seymour
Blackwell Milano Godley Shady Hollow
Blanco Mildred Goldsmith Shady Shores
Blanket Miles Goldthwaite Shallowater
Blessing Milford Goliad Shamrock
Bloomburg Miller’s Cove Golinda Shavano Park
Blooming Grove Millican Gonzales Sheldon
Bloomington Millsap Goodlow Shenandoah
Blossom Mineola Goodrich Shepherd
Blue Berry Hill Mineral Wells Gordon Sherman
Blue Mound Mingus Goree Shiner
Blue Ridge Mirando City Gorman Shoreacres
Bluetown-Iglesia Antigua Mission Graford Sienna Plantation
Blum Mission Bend Graham Sierra Blanca
Boerne Missouri City Granbury Siesta Shores
Bogata Mobeetie Grand Acres Silsbee
Boling-Iago Mobile City Grandfalls Silverton
Bolivar Peninsula Monahans Grand Prairie Simonton
Bonham Mont Belvieu Grand Saline Sinton
Bonney village Monte Alto Grandview Skellytown
Booker Montgomery Granger Skidmore
Borger Moody Granite Shoals Slaton
Botines Moore Granjeno Smiley
Bovina Moore Station Grape Creek Smithville
Bowie Morales-Sanchez Grapeland Smyer
Box Canyon-Amistad Moran Grapevine Snook
Boyd Morgan Grays Prairie village Snyder
Brackettville Morgan Farm Area Greatwood Socorro
Brady Morgan’s Point Green Valley Farms Solis
Brazoria Morgan’s Point Resort Greenville Somerset
Breckenridge Morning Glory Gregory Somerville
Bremond Morse Grey Forest Sonora
Brenham Morton Groesbeck Sour Lake
Briar Moulton Groom South Alamo
Briarcliff village Mountain City Groves
South Fork Estates
Briaroaks Mount Calm Groveton South Houston
Bridge City Mount Enterprise Gruver Southlake
Bridgeport Mount Pleasant Guerra Southmayd
Broaddus Mount Vernon Gun Barrel City South Mountain
Bronte Muenster Gunter
South Padre Island
Brookshire Muleshoe Gustine South Point
Brookside Village Mullin Hackberry Southside Place
Browndell Munday Hale Center
South Toledo Bend
Brownfield Muniz Hallettsville Spade
Brownsboro Murchison Hallsburg Sparks
Brownsville Murphy Hallsville Spearman
Brownwood Mustang Haltom City Splendora
Bruceville-Eddy Mustang Ridge Hamilton Spofford
Brundage Nacogdoches Hamlin Spring
Bruni Naples Happy
Spring Garden-Terra Verde
Brushy Creek Nash Hardin Springlake
Bryan Nassau Bay Harker Heights Springtown
Bryson Natalia Harlingen Spring Valley
Buchanan Dam Navarro Harper Spur
Buckholts Navasota Hart Stafford
Buda Nazareth Hartley Stagecoach
Buffalo Nederland Haskell Stamford
Buffalo Gap Needville Haslet Stanton
Buffalo Springs village Nesbitt Havana Star Harbor
Bullard Nevada Hawk Cove Stephenville
Bulverde Newark Hawkins Sterling City
Buna New Berlin Hawley Stinnett
Bunker Hill Village New Boston Hays Stockdale
Burkburnett New Braunfels Hearne Stonewall
Burke Newcastle Heath Stowell
Burleson New Chapel Hill Hebbronville Stratford
Burnet New Deal Hebron Strawn
Burton New Fairview Hedley Streetman
Butterfield New Falcon Hedwig Village
Study Butte-Terlingua
Byers New Home Heidelberg Sudan
Bynum New Hope Helotes Sugar Land
Cactus New London Hemphill Sullivan City
Caddo Mills New Summerfield Hempstead Sulphur Springs
Caldwell New Territory Henderson Sundown
Callisburg Newton Henrietta Sunnyvale
Calvert New Waverly Hereford Sunray
Cameron Neylandville Hermleigh
Sunrise Beach Village
Cameron Park Niederwald Hewitt Sunset
Campbell Nixon Hickory Creek Sunset Valley
Camp Swift Nocona Hico Sun Valley
Camp Wood Nolanville Hidalgo Surfside Beach
Canadian Nome Higgins Sweeny
Caney City Noonday Highland Haven Sweetwater
Canton Nordheim Highland Park Taft
Cantu Addition Normangee Highlands Taft Southwest
Canutillo Normanna Highland Village Tahoka
Canyon North Alamo Hill Country Village Talco
Canyon Lake North Cleveland Hillcrest village Talty
Carbon Northcliff Hillsboro Tatum
Carl’s Corner North Escobares Hilltop Taylor
Carmine Northlake Hilshire Village
Taylor Lake Village
Carrizo Hill North Pearsall Hitchcock Teague
Carrizo Springs North Richland Hills Holiday Lakes Tehuacana
Carrollton North San Pedro Holland Temple
Carthage Novice Holliday Tenaha
Castle Hills Nurillo Hollywood Park Terrell
Castroville Oak Grove Homestead Meadows North Terrell Hills
Catarina Oakhurst Homestead Meadows South Texarkana
Cedar Hill Oak Leaf Hondo Texas City
Cedar Park Oak Point Honey Grove Texhoma
Celeste Oak Ridge town (Cooke County) Hooks Texline
Celina Oak Ridge town (Kaufman County) Horizon City The Colony
Center Oak Ridge North Horseshoe Bay The Hills village
Centerville Oak Trail Shores Houston The Woodlands
Central Gardens Oak Valley Howardwick Thompsons
Cesar Chavez Oakwood Howe Thorndale
Chandler O’Brien Hubbard Thornton
Channelview Odem Hudson Thorntonville
Channing Odessa Hudson Bend Thrall
Charlotte O’Donnell Hudson Oaks Three Rivers
Chester Oglesby Hughes Springs Throckmorton
Chico Oilton Humble Tierra Bonita
Childress Old River-Winfree Hungerford Tierra Grande
Chillicothe Olivarez Hunters Creek Village
Tiki Island village
China Olmito Huntington
Timbercreek Canyon village
China Grove Olmos Park Huntsville
Timberwood Park
Chireno Olney Hurst Timpson
Christine Olton Hutchins Tioga
Christoval Omaha Hutto Tira
Chula Vista-Orason Onalaska Huxley Toco
Chula Vista-River Spur Onion Creek Idalou Todd Mission
Cibolo Opdyke West Impact Tolar
Cienegas Terrace Orange Imperial Tomball
Cinco Ranch Orange Grove Indian Hills Tom Bean
Circle D-KC Estates Orchard Indian Lake Tool
Cisco Ore City Industry Tornillo
Citrus City Overton Inez Toyah
Clarendon Ovilla Ingleside Tradewinds
Clarksville Owl Ranch-Amargosa Ingleside on the Bay Trent
Clarksville City Oyster Creek Ingram Trenton
Claude Ozona Iowa Colony village Trinidad
Clear Lake Shores Paducah Iowa Park Trinity
Cleburne Paint Rock Iraan Trophy Club
Cleveland Palacios Iredell Troup
Clifton Palestine Irving Troy
Clint Palisades village Italy Tuleta
Cloverleaf Palmer Itasca Tulia
Clute Palmhurst Jacinto City Tulsita
Clyde Palm Valley Jacksboro Turkey
Coahoma Palmview Jacksonville Tuscola
Cockrell Hill Palmview South Jamaica Beach Tye
Coffee City Pampa Jasper Tyler
Coldspring Panhandle Jayton Tynan
Coleman Panorama Village Jefferson Uhland
College Station Pantego Jersey Village Uncertain
Colleyville Paradise Jewett Union Grove
Collinsville Paris Joaquin Universal City
Colmesneil Parker Johnson City University Park
Colorado City Pasadena Jolly Utopia
Columbus Pattison Jollyville Uvalde
Comanche Patton Village Jones Creek village Uvalde Estates
Combes Pawnee Jonestown Valentine
Combine Payne Springs Josephine Valley Mills
Comfort Pearland Joshua Valley View
Commerce Pearsall Jourdanton Val Verde Park
Como Pecan Acres Junction Van
Concepcion Pecan Gap Justin Van Alstyne
Conroe Pecan Grove Karnes City Vanderbilt
Converse Pecan Hill Katy Van Horn
Cool Pecan Plantation Kaufman Van Vleck
Coolidge Pecos K-Bar Ranch Vega
Cooper Pelican Bay Keene Venus
Coppell Penelope Keller Vernon
Copperas Cove Penitas Kemah Victoria
Copper Canyon Pernitas Point village Kemp Vidor
Corinth Perryton Kempner Villa del Sol
Corpus Christi Petersburg Kendleton Villa Pancho
Corral City Petrolia Kenedy Villa Verde
Corrigan Petronila Kenefick Vinton village
Corsicana Pettus Kennard Waco
Cottonwood Pflugerville Kennedale Waelder
Cottonwood Shores Pharr Kerens Wake Village
Cotulla Pilot Point Kermit Waller
Cove Pine Forest Kerrville Wallis
Covington Pinehurst Kilgore Walnut Springs
Coyanosa Pinehurst Killeen Warren City
Coyote Acres Pine Island Kingsbury Waskom
Crandall Pineland Kingsland Watauga
Crane Pinewood Estates Kingsville Waxahachie
Cranfills Gap Piney Point Village Kirby Weatherford
Crawford Pittsburg Kirbyville Webster
Creedmoor Plains Kirvin Weimar
Crockett Plainview Knippa Weinert
Crosby Plano Knollwood village Weir
Crosbyton Pleak village Knox City Wellington
Cross Mountain Pleasanton Kosse Wellman
Cross Plains Pleasant Valley Kountze Wells
Cross Roads Plum Grove Kress Wells Branch
Cross Timber Point Krugerville Weslaco
Crowell Point Blank Krum West
Crowley Point Comfort Kyle Westbrook
Crystal City Ponder La Blanca West Columbia
Cuero Port Aransas La Casita-Garciasville Westdale
Cuevitas Port Arthur Lackland AFB Westlake
Cumby Porter Heights LaCoste West Lake Hills
Cumings Port Isabel Lacy-Lakeview West Livingston
Cuney Portland Ladonia Westminster
Cushing Port Lavaca La Feria West Odessa
Cut and Shoot Port Mansfield La Feria North Weston
Daingerfield Port Neches Lago West Orange
Daisetta Post Lago Vista Westover Hills
Dalhart Post Oak Bend City La Grange West Pearsall
Dallas Poteet La Grulla West Sharyland
Dalworthington Gardens Poth Laguna Heights West Tawakoni
Damon Potosi Laguna Seca
West University Place
Danbury Pottsboro Laguna Vista Westway
Darrouzett Powell La Homa
Westworth Village
Dawson Poynor La Joya Wharton
Dayton Prado Verde Lake Bridgeport Wheeler
Dayton Lakes Prairie View Lake Brownwood White Deer
Dean Premont Lake City Whiteface
Decatur Presidio Lake Dallas Whitehouse
Deer Park Primera Lakehills White Oak
De Kalb Princeton Lake Jackson Whitesboro
De Leon Progreso Lake Kiowa White Settlement
Dell City Progreso Lakes Lakeport Whitewright
Del Mar Heights Prosper Lakeshore Gardens-Hidden Acres Whitney
Del Rio Putnam Lakeside town (San Patricio County) Wichita Falls
Del Sol-Loma Linda Pyote Lakeside town (Tarrant County) Wickett
Denison Quail Lakeside City
Wild Peach Village
Denton Quanah Lake Tanglewood village Willamar
Denver City Queen City Lakeview Willis
Deport Quemado Lake View Willow Park
DeSoto Quinlan Lakeway Wills Point
Detroit Quintana Lakewood Village Wilmer
Devers Quitaque Lake Worth Wilson
Devine Quitman La Marque Wimberley
Deweyville Radar Base Lamesa Windcrest
Diboll Ralls Lampasas Windemere
Dickens Ranchette Estates Lancaster Windom
Dickinson Ranchitos Las Lomas La Paloma Windthorst
Dilley Rancho Alegre La Paloma-Lost Creek Winfield
Dimmitt Rancho Banquete La Porte Wink
Dodd City Rancho Chico La Presa Winnie
Dodson Ranchos Penitas West La Pryor Winnsboro
Doffing Rancho Viejo La Puerta Winona
Domino Ranger Laredo Winters
Donna Rangerville village Laredo Ranchettes Wixon Valley
Doolittle Rankin Larga Vista Wolfe City
Dorchester Ransom Canyon La Rosita Wolfforth
Double Oak Ratamosa Lasana Woodbranch
Douglassville Ravenna Lasara Woodcreek
Doyle Raymondville Las Colonias Woodloch
Dripping Springs Realitos Las Lomas Woodsboro
Driscoll Redford Las Lomitas Woodson
Dublin Red Lick Las Palmas-Juarez Woodville
Dumas Red Oak Las Quintas Fronterizas Woodway
Duncanville Redwater Latexo Wortham
Eagle Lake Redwood Laughlin AFB Wyldwood
Eagle Mountain Reese Center Laureles Wylie
Eagle Pass Refugio La Vernia Yantis
Early Reid Hope King La Victoria Yoakum
Earth Reklaw La Villa Yorktown
East Bernard Relampago Lavon Yznaga
La Ward Zapata
Lawn Zapata Ranch


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