Bank Statement Loans in Austin — Fast Approval Without Tax Returns

Bank statement loans in Austin provide self-employed professionals a straightforward path to homeownership based on your actual cash flow, without requiring tax returns or W-2s. At LendFriend, we specialize in helping entrepreneurs, freelancers, and business owners secure mortgage financing using bank statements instead of traditional income documentation. Our streamlined process makes homeownership accessible for independent professionals throughout the Austin area.

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Mortgage Solutions Tailored for Self-Employed Borrowers

Traditional mortgage qualification frustrates self-employed Austinites due to tax write-offs that reduce paper income. Our bank statement loans solve this problem by focusing on your actual cash flow rather than tax returns. You can qualify using just 12-24 months of bank statements, without W-2s or employment verification forms that don't reflect your true earnings potential.

Designed for freelancers, business owners, and gig workers

Whether you're a consultant in The Domain, a retail owner on South Congress, or a tech freelancer near UT Austin, our loans provide the flexibility you need. Self-employment income doesn't always fit conventional lending models, but we've created solutions that work for independent professionals.

No W-2s or tax returns needed — qualify with 12–24 months of bank statements

Your bank deposits tell the real story of your financial health, not tax returns with significant deductions. We use this information to help you qualify for the home financing you deserve.

The LendFriend Advantage for Bank Statement Loans

Our team has deep expertise in alternative income verification and understands the unique financial profiles of entrepreneurs and business owners. We deliver a seamless lending experience from application to closing with personalized service throughout the process.

Close in just 22 days

While traditional lenders take 45+ days and charge numerous fees, we close most loans in just 22 days with the option for zero lender fees. This means more money stays in your pocket and a faster move-in timeline.

Local Austin experts available 7 days a week to guide you

Our team knows Austin neighborhoods intimately—from Tarrytown to Mueller, Zilker to Circle C. We're available seven days a week to answer questions throughout your mortgage journey.

Transparent process with a fast, online application

Our streamlined digital application takes minutes to complete with a transparent process that keeps you informed at every step. No surprises or hidden requirements—just straightforward communication.

Flexible Loan Terms That Match Your Financial Situation

Our bank statement loan programs offer remarkable flexibility to accommodate various scenarios in Austin's competitive market. From creative income solutions to flexible property requirements, we help achieve your homeownership goals.

Loan amounts up to $3 million with flexible credit requirements

We offer loans from $175,000 up to $3 million with credit scores starting at 620, making homeownership accessible for various properties—from Bouldin Creek starter homes to Westlake luxury residences, downtown condos to East Austin investment properties.

Available for primary homes, second residences, and investment properties

Finance single-family homes, condos, townhouses, and multi-unit properties with the same streamlined approval process.

A Simplified Process for Busy Entrepreneurs

Our process minimizes paperwork and maximizes efficiency for busy professionals who don't have time for complicated mortgage applications. We respect your time and streamline everything.

Personalized support with minimal documentation required

You'll work with a dedicated mortgage advisor who understands self-employment challenges. We'll guide you through the streamlined documentation process, requiring only what's absolutely necessary.

Save time with our secure, tech-friendly platform

Our digital platform allows secure document uploads and application tracking from any device—perfect for on-the-go Austin entrepreneurs.

Get Pre-Approved Today and Unlock Your Buying Power

Contact LendFriend now to secure your home purchase with our streamlined pre-approval process for self-employed borrowers. Being pre-approved gives you a decisive advantage in Austin's competitive market when making offers. Our experts provide competitive rates with solutions tailored specifically for entrepreneurs and independent professionals, eliminating income verification headaches and putting you on a faster path to homeownership.

Frequently Asked Questions About Bank Statement Loans

How many months of bank statements do I need to provide?

12-24 months, depending on your credit profile and loan size.

Can I use both personal and business accounts for income verification?

Yes, we accept both personal and business accounts for income verification.

Are bank statement loans available for investment properties?

Yes, our bank statement loans can be used for investment properties in Austin.