NMLS#: 2653540 (Company) · 513013 (Adam Styer)
Bank statement loans for Austin self-employed borrowers. Qualify using 12 or 24 months of deposits when tax returns do not show the full story. Adam Styer, NMLS #513013.
Why Austin borrowers use bank statement loans
Austin has a heavy concentration of founders, consultants, creatives, real estate professionals, and small-business owners. Many show lower taxable income because their CPA is doing the job correctly: writing off equipment, software, mileage, home office, payroll, retirement contributions, and other legitimate expenses. A bank statement loan looks at eligible deposits instead of making the tax return the only story.
What Adam reviews first
Adam starts with whether personal or business statements produce cleaner income, whether a 12-month or 24-month average is stronger, how transfers and one-time deposits should be treated, and whether a CPA expense-factor letter would help. The goal is not to force the file into one program. It is to compare the documentation paths before you are under contract.
Austin-specific fit
This page is for borrowers buying in Austin, Westlake, South Austin, East Austin, Northwest Hills, Circle C, Mueller, and nearby Travis County neighborhoods. Property taxes, HOA dues, condo rules, and jumbo thresholds can all change the approval math, so the income review needs to be paired with the actual property target.
Who this page is for
- Austin consultants, attorneys, designers, and professional-service owners
- S-corp and LLC owners with strong deposits but low taxable income
- Self-employed buyers comparing bank statement, 1099, and P&L paths
For the broader program details, start with the Texas bank statement loan guide. This page narrows that guidance to bank statement loans Austin TX searches and Austin/Central Texas borrower scenarios.
Common Questions
Yes. Bank statement programs are built for self-employed borrowers whose deposits support the mortgage better than taxable income. Program fit depends on credit, down payment, reserves, statement cleanliness, and whether personal or business statements produce the best income calculation.
Many programs review either 12 or 24 months. A 12-month program may help when the most recent year is stronger; a 24-month program may help when income is steady and the file needs a longer track record. Adam reviews both paths when available.
No. They can fit primary homes, second homes, and some investment scenarios when the borrower is self-employed. The key is whether deposit-based income makes more sense than tax-return income.
Start with the basic scenario: target purchase price, down payment, credit range, entity type, and whether deposits run through personal or business accounts. Adam can tell you which documents are worth gathering next.
Review My Bank Statements
Tell Adam what you are trying to buy, how income is documented, and where the bank got stuck. He will map the realistic paths before you commit to a full application.
Review My Bank StatementsBook a 15-Minute CallOr call (512) 956-6010 — NMLS #513013