How Reliant Mortgage Services Helps Self-Employed Buyers in Texas

If you’re self-employed in Texas, you know the freedom of running your own business also brings unique challenges—especially when applying for a mortgage. At Reliant Mortgage Services in Brownsville, we specialize in helping entrepreneurs and 1099 earners achieve homeownership with clear guidance and flexible loan options.

  Why Mortgages Are Different for Self-Employed Buyers

Traditional employees provide pay stubs and W-2s. Self-employed buyers are usually asked for:

• 2 years of tax returns (personal & business)
• Profit & loss statements and/or year-to-date balance sheets
• Bank statements showing consistent deposits

The documentation can feel heavy—but with the right lender and prep, it’s manageable.

Loan Options for Self-Employed Buyers in Texas

1) Conventional Loans

• Underwritten using tax-return income (after write-offs)
• Best pricing with strong credit and reserves

2) FHA Loans

• More flexible credit guidelines
• Down payments as low as 3.5%

3) Bank Statement Loans

• Qualify using 12–24 months of deposits instead of tax returns
• Great for owners who reinvest and show lower taxable income

4) DSCR Loans (for Investors)

• Approval based on the property’s cash flow, not your personal income
• Ideal for building a rental portfolio

How Reliant Mortgage Services Makes It Easier

• Personalized document checklist for your business type
• Access to specialized programs (bank statement & DSCR)
• Local Texas expertise from a Brownsville-based team
• Fast pre-approvals and real-time updates from app to close

Success Story

A Brownsville business owner denied by a national bank closed in ~30 days with our bank statement loan after we documented consistent deposits and business strength.

Final Thoughts

Being self-employed shouldn’t hold you back from buying a home in Texas. With the right strategy and lender, you can qualify confidently and invest in your future.