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Today's Bank Statement Loan Rates In Texas

Today's Bank Statement Loan Rates In Texas for

Purchase Rates

7.599
%

APR 7.889%
Refinance Rates

7.499
%

APR 7.717%
Get your rate today! We'll give you a no-haggle, low rate quote with fast response times and friendly service.

Rate Table Assumptions

Mortgage rates change with market conditions.  They can only be guaranteed when they are locked in with an application.  The rates may vary based on credit score, loan amount, and other factors. 

Loan amounts greater than $475,000. FICO credit score greater than 780 or higher.  Owner Occupied

30 Conventional Year Fixed - $475,000 or greater . LTV 75.0%. 1 % Point Charged First time Home Buyer. 

15 Year Fixed - $475,000 or greater. LTV 75%. 1 Point Charged.

30 Year Jumbo Loan - $800,000 or greater. LTV 75.0%. 1 Point. 

30 Year FHA Loan - $475,000. LTV 96.5%. 1 Point charged

30 Year VA Loan - $475,000. 100.0% 1 Point.

1,122

Customer Reviews

4.9 out of 1122 reviews
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1-1
Natalie Witherspoon
Daniel Ganoe made the purchasing of our home in Texas easy. I did not know what to expect since I was purchasing a home out of state. Daniel kept us informed and updated twice a week. He answer all of our question. He return texts and calls promptly. Very respectful and professional. If you looking for a fantastic and professional mortgage broker Dan is the man.
2-1
Kevin Browder
I like to thank Texas Mortgage Company for the great job they did towards purchasing my new home thanks a lot to everyone who helped me out
3-1
Lincy Pillai
Reef & Joy were absolutely, hands down amazing! Reef has been working the numbers with my husband for MONTHS and even accommodated to my husband’s work schedule & called after hours. Joy worked diligently & responded so quickly. We are ever so grateful for their patience & the magic they pulled right before closing. We highly recommend that everyone uses Texas United Mortgage.
4-1
Kumar Mukherjee
Hands down trust worthy, professional and efficient. Saved me from overpaying on a loan proposed by another corrupt loan agency. Ain’t gonna work with no other again, but Scott!
5-1
Emiliano Elizondo
I tried 2other lenders that denied me.daniel got it done.i really appreciate the professionalism.after being denied twice couldent have done without.I highly recommend Texas United mortgage.
6-1
Christina Poswiatowsky
We are just starting our process to buy a home in TX. We are moving from VA so this is a very big step for us. We have had several questions on the process and this company has been able to answer the questions we have so far and are very helpful and informative.
7-1
Mark Kynard
I thought the presentation was very informative. The technology we discussed was amazing and it appears to be easy to use.
8-1
Abide Masaraure
These guys helped us get our first home. I worked with Daniel Ganoe and his team from loan preapproval until the final approval . He was able to help me overcome any challenges that I was having throughout the application process. They have an easy to use online application portal, which makes it easy to upload documents and resubmit documents. Texas United Mortgage kept updated on the progress of the application. If you are a first time home buyer, I highly recommend you to try out these guys.
9-1
Katherine Martinez
Daniel was awesome! Out of all the different mortgage companies I tried, he was the only one willing to help. He guided me every step of the way, thank you!
10-1
Betty Poston
Reef, Scott & Claudia are an amazing team to work with! As a real estate agent, it is imperative that your clients feel comfortable about the loan process. The level of service provided kept my clients informed and worry free - terrific job everyone!!
1-1
Natalie Witherspoon
Daniel Ganoe made the purchasing of our home in Texas easy. I did not know what to expect since I was purchasing a home out of state. Daniel kept us informed and updated twice a week. He answer all of our question. He return texts and calls promptly. Very respectful and professional. If you looking for a fantastic and professional mortgage broker Dan is the man.
2-1
Kevin Browder
I like to thank Texas Mortgage Company for the great job they did towards purchasing my new home thanks a lot to everyone who helped me out
3-1
Lincy Pillai
Reef & Joy were absolutely, hands down amazing! Reef has been working the numbers with my husband for MONTHS and even accommodated to my husband’s work schedule & called after hours. Joy worked diligently & responded so quickly. We are ever so grateful for their patience & the magic they pulled right before closing. We highly recommend that everyone uses Texas United Mortgage.
4-1
Kumar Mukherjee
Hands down trust worthy, professional and efficient. Saved me from overpaying on a loan proposed by another corrupt loan agency. Ain’t gonna work with no other again, but Scott!
5-1
Emiliano Elizondo
I tried 2other lenders that denied me.daniel got it done.i really appreciate the professionalism.after being denied twice couldent have done without.I highly recommend Texas United mortgage.
6-1
Christina Poswiatowsky
We are just starting our process to buy a home in TX. We are moving from VA so this is a very big step for us. We have had several questions on the process and this company has been able to answer the questions we have so far and are very helpful and informative.
7-1
Mark Kynard
I thought the presentation was very informative. The technology we discussed was amazing and it appears to be easy to use.
8-1
Abide Masaraure
These guys helped us get our first home. I worked with Daniel Ganoe and his team from loan preapproval until the final approval . He was able to help me overcome any challenges that I was having throughout the application process. They have an easy to use online application portal, which makes it easy to upload documents and resubmit documents. Texas United Mortgage kept updated on the progress of the application. If you are a first time home buyer, I highly recommend you to try out these guys.
9-1
Katherine Martinez
Daniel was awesome! Out of all the different mortgage companies I tried, he was the only one willing to help. He guided me every step of the way, thank you!
10-1
Betty Poston
Reef, Scott & Claudia are an amazing team to work with! As a real estate agent, it is imperative that your clients feel comfortable about the loan process. The level of service provided kept my clients informed and worry free - terrific job everyone!!
07

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New Home Loans

Ready to buy in Texas? We help all kinds of income situations get quick approvals.

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02

Texas Mortgage Refinance Experts

Refinance options for primary, vacation, and rental properties.

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03

Texas Conventional Home Loans

Competitive rates for primary, second, and rental properties for investors.

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04

Texas FHA Loans

Low-down-payment loans with the advantages of special FHA rates.

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Dig Deeper: Key Bank Statement Loan Insights for Texas Borrowers

Verify Lender Statement Requirements

Different lenders accept 12–24 months of bank statements; confirm whether they require personal, business, or combined statements.

Focus on Average Monthly Deposits

Underwriters calculate income based on average qualifying deposits, not gross statement balances—exclude transfers and one-offs.

Know Eligible Borrowers

Bank statement loans cater to self-employed professionals, freelancers, and business owners without traditional W-2 income.

Understand Debt-to-Income Alternatives

Rather than DTI, many programs use bank statement ratios, requiring deposits to cover debt service by a set multiple.

Prepare Clear Bank Statement Documentation

Provide unabridged, consecutive PDF statements directly from your bank portal to avoid manual underwriter adjustments.

Compare Fixed vs Adjustable-Rate Options

Fixed-rate bank statement loans lock your payment, while ARMs may offer lower teaser rates—evaluate based on market outlook.

Factor in Reserve Requirements

Expect to show 3–12 months of cash reserves in statements, depending on loan size and lender overlays.

Watch Out for Higher Rates and Fees

Bank statement programs often carry slightly higher interest rates and fees than conventional loans to offset perceived risk.

Leverage Relationship Pricing

If you have existing deposit or business accounts with the lender, ask about relationship discounts on your rate or origination fee.

Prepare for Stricter Appraisal Standards

Underwriting may require strict rent or value comps for investment properties—research local market comparables in advance.

Consult a Bank Statement Loan Specialist

“Our team at Texas United Mortgage helps self-employed Texans convert their bank statements into home-loan approval.”
— Reef Merhi, Owner