San Antonio Bank Statement Loans

San Antonio combines a diversified economy — military (Joint Base SA with multiple installations), cybersecurity, healthcare/biomedical, tourism/hospitality, USAA financial services, and traditional Texas small business — with some of the most affordable major-metro real estate in the country. San Antonio’s self-employed population includes military retirees in consulting, medical practice owners, healthcare professionals, small business owners, and a growing 1099 cybersecurity + tech contractor community.

Qualify using 12 or 24 months of bank deposits — no tax returns, W-2s, or pay stubs.

Check SA Bank Statement Eligibility Talk to an SA Loan Specialist — (833) 350-9185

Who Uses Bank Statement Loans in San Antonio

Military retirees consulting. San Antonio (Military City USA) has one of the largest military-retiree populations in the country. Many retirees start consulting firms post-service — cybersecurity, logistics, government contracting. Bank statement loans handle their startup-consulting income cleanly.

Medical practice owners. Dense medical community around South Texas Medical Center, Stone Oak, and downtown. Practice owner income rarely matches personal 1040.

Real estate professionals. SA’s affordable market has produced strong agent income, often understated on tax returns due to business expenses.

Cybersecurity + government contractors. SA is a major cybersecurity hub (24th Air Force, NSA Texas, plus private contractors). Many 1099 cybersecurity contractors.

Small business owners. Restaurants, construction, retail, service businesses across SA’s many communities.

Oil & gas operators. Eagle Ford Shale-adjacent consultants and service companies headquartered in SA.

Healthcare + allied professionals. SA has a large healthcare workforce, including private-practice physicians, dental, and allied health professionals.

How Bank Statement Loans Work in SA

12 or 24 months of personal or business bank statements
Lender calculates average monthly deposits as qualifying income
Business statements typically apply a 50% expense factor (CPA letter can reduce)
Personal statements typically use 100% of deposits
No tax returns, W-2s, 1040s, or pay stubs required
Standard appraisal, title, and closing — 21-30 days typical

Full program details →

SA Bank Statement Loan Requirements

Credit score: 620 minimum; 700+ for best pricing
Down payment: 10% minimum (primary); 20-25% investment
Self-employment: 2+ years in the same business
Loan amounts: Up to $3 million+ (jumbo bank statement for premium SA markets)
Property types: SFR, condo, townhome, 2-4 unit
Occupancy: Primary, second home, investment
LLC vesting available for investment properties

SA Neighborhoods We Serve

Central SA: Alamo Heights, Terrell Hills, Olmos Park, Monte Vista, Tobin Hill, Mahncke Park, King William, Lavaca, Southtown, Dignowity Hill
North Central: Stone Oak, Sonterra, Canyon Springs, Shavano Park, Hill Country Village, Hollywood Park, Castle Hills, Churchill, Encino Park
Northwest: Leon Valley, Helotes, Boerne, Fair Oaks Ranch, Dominion, Cordillera Ranch
North: Elm Creek, Huntington, Rogers Ranch, Parkstone, Brookhollow
Northeast: Converse, Universal City, Schertz, Cibolo, Garden Ridge, Selma
West/Southwest: Westover Hills, Sea World area, Lackland-adjacent, Medina Lake communities
South/Southeast: Highland Park, Southside, Mission Reach, Stinson, Southton
East: East Central, Windcrest, Live Oak, Kirby
Metro extensions: New Braunfels, Canyon Lake, Bulverde, Spring Branch

Jumbo Bank Statement for SA Premium Markets

Alamo Heights, Terrell Hills, Olmos Park, Dominion, Cordillera Ranch, and premium Stone Oak can require jumbo loan amounts. Jumbo bank statement programs accommodate:

680+ FICO typical
15-20% down payment
12 or 24 months of bank statements
Loans up to $3M+
Primary, second home, or investment

Bank statement jumbo covers self-employed SA buyers in premium submarkets where traditional income documentation falls short.

Why SA + Texas Is Strong for Bank Statement Loans

High self-employment — especially among military retirees, medical practice owners, small business owners
No state income tax — federal returns are often aggressively optimized
Affordable median pricing — SA remains one of the more affordable large Texas metros
Growing diversified economy — military + cyber + medical + USAA + tourism + Eagle Ford
Strong VA + military-community context — we work with veteran borrowers and understand post-service transitions

Frequently Asked Questions

San Antonio combines the highest military-retiree consulting population in the country with dense medical practice communities and traditional Texas small business. Combined with Texas’s no-state-income-tax environment, SA has a large self-employed population that benefits from deposit-based qualification.

Yes. Military-retiree consultants are a core SA borrower profile. As long as you’ve been in your consulting business 2+ years with consistent deposits, bank statement loans work well. Retirement income from your military pension can also supplement qualification in some scenarios.

Yes. Jumbo bank statement programs go up to $3M+ with 680+ FICO and 15-20% down. SA’s premium submarkets can require jumbo financing — bank statement jumbo is designed for self-employed buyers in these markets.

Primary items: 12-24 months of business bank statements (or personal if that’s where you pay yourself), proof of business ownership, and typically a CPA letter confirming business expense ratio. No tax returns, practice P&L, or entity returns required.

Yes, or consider our DSCR loan program which qualifies on rental income alone with no personal income docs.

Get Started

Self-employed in San Antonio and ready to finance a home? Call (833) 350-9185 or check bank statement loan eligibility .

Ready to Get Started?

Talk to a licensed loan officer about your options — no obligation.

Check SA Bank Statement Loan Eligibility Call (833) 350-9185

Available Loan Programs

FHA Home Loan Requirements | Home Buying and Refinancing VA Home Loans for Veterans & Active Military 30 Year Fixed Mortgage | Purchase & Refinance Loans 15 Year Fixed Rate Mortgage Loans - Pros & Cons Jumbo Mortgage | Jumbo Loan | Nationwide Lender 12-Month Bank Statement Loan (No Tax Returns) | Self-Employed Mortgage Conventional Home Loans - Nationwide Mortgage Lender Reverse Mortgages - Senior Mortgage Refinance No-Income Mortgage Programs | Qualify Without Tax Returns USDA Home Loans - Zero Down Payment Rural Mortgage Bridge Loan Funds | Short Term Home Loans FHA Home Loan Refinancing | FHA Streamline Refi VA Loans Refinancing - IRRRL FHA Streamline Refi Requirements - Important Rules Types of FHA Mortgages: Which One Is Best For You? VA 30-Year Fixed Rates - Zero Down Home Loans VA Eligibility Guidelines - Qualify for a VA Mortgage VA Jumbo Mortgage Loan - High VA Loan Limits How Does a VA Loan Refinance Work? 1099 Mortgage — Qualify with 1099 Income Only (2026 Guide) Airbnb & Short-Term Rental Loans (DSCR) — 2026 Guide HELOC & Home Equity Loans — Tap Equity Without Refinancing How to Get a Mortgage Without Tax Returns (2026 Guide) NONI Investment Loans — No Income, No Asset Verification

San Antonio Bank Statement Loans | No Tax Return Mortgage