All Texas Tech Credit Union branches will be closed on Monday, October 12th in observance of Columbus Day.

Texas Tech Credit Union
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Bank Statement Loan Financing

Financing for self-employed borrowers.

Effortless financing with bank statement loans. Secure financing with loans based on your bank statement income, not tax returns.

What is a bank statement loan?

A bank statement loan is for self-employed individuals, using bank statements to verify income instead of tax returns. It offers flexible financing for those with non-traditional income.

Why choose a bank statement loan?

Explore bank statement loan benefits.

Flexible for self-employed borrowers

Bank statement loans are flexible for self-employed borrowers, offering an alternative qualification process that considers your business income and cash flow.

Flexible repayment options

Discover flexible repayment options with bank statement loans. Select from interest-only or fully amortizing payment plans to suit your financial preference.

Loan purpose flexibility

Our bank statement loans are versatile for primary residences, secondary homes, or investment properties. Tailored repayment plans ensure flexibility, supported by our customer-focused and professional service.

First-time buyer friendly

Bank statement loans are first-time home buyer-friendly, providing accessible financing options tailored to meet the unique needs of new homeowners.

Versatile options for your home financing

Discover your bank statement loan options

Bank Statement Purchase Loan

A Bank Statement Purchase Loan is designed for self-employed individuals or business owners who may not have traditional income documentation. This loan allows you to qualify for a mortgage based on your bank statements, reflecting your true income and financial situation. It provides an excellent opportunity to purchase a home even if your financial profile doesn’t fit the conventional mold.

Benefits

  • Qualify using bank statements
  • No tax returns required
  • Competitive interest rates

Mortgage lending across West Texas.

A dedicated team in every market we serve.

panhandle

Amarillo

A dedicated team serving Amarillo and the surrounding Panhandle.

Learn More A Texas Tech Credit Union loan officer with a member
south plains

Lubbock

Where it all started. Fast approvals and local expertise for South Plains buyers.

Learn More Texas Tech Credit Union team members in the Lubbock branch
Permian basin

Midland

Dedicated mortgage support for Midland and Permian Basin homebuyers.

Learn More A Texas Tech Credit Union loan officer at her desk

Get to know your local mortgage team.

Our loan officers know this market and are ready to guide you from application to closing.

Meet the Team

The mortgage process

Your mortgage, step by step.

We keep the process simple so you can focus on finding the right home.

step 1

Meet with an expert.

Connect with one of our local mortgage loan officers to talk through your goals, explore your options, and get the process started.

step 2

Upload your documents.

Download the Texas Tech Credit Union mortgage app to securely upload your documents and kick off your pre-qualification.*

step 3

Begin house hunting.

With pre-qualification in hand, start searching for your home knowing the budget you're working with.

step 4

Close and get the keys.

Once you've found the right home, our team will guide you through a smooth and timely closing process.

Manage your mortgage from anywhere.

Stay on top of every step with the Texas Tech Credit Union mortgage app. Upload documents, check your status, and connect with your team on the go.

Ready to take the next step?

Ready to explore flexible financing with bank statement loans? A dedicated loan officer is ready to walk you through your options and get you to closing day.

*

Pre-qualification is subject to credit history and financial statement review.