If you’re self-employed or own a small business, traditional loan requirements can be a barrier to homeownership. At Armando (Mando) Ramirez, we offer bank statement loans in Arlington, TX—a flexible, documentation-friendly mortgage solution designed for entrepreneurs, freelancers, and independent contractors who can’t verify income the traditional way.
At Armando (Mando) Ramirez, we specialize in flexible bank statement loans for self-employed buyers, freelancers, and small business owners in Fort Worth, TX. If you have strong deposits but non-traditional income, you don’t need to worry about W-2s or tax returns.
We use 12 to 24 months of your personal or business bank statements to help you qualify for the home you want. With competitive rates, custom loan terms, and fast processing, our team works hard to make approval easy, similar to our support for land loan financing in Texas. Call now to see how our flexible lending options can work for you, or apply online for a fast pre-qualification.
Buying a home doesn’t have to be complicated. If your finances are in good shape, a conventional loan is a smart, stable path to homeownership.
FHA loans are for real people with real challenges. Low down payments and easy qualification make them a great option when traditional loans feel out of reach.
You’ve given your best—now get the best. VA loans make buying a home easier for those who’ve served, with no down and special benefits.
Life changes. A refinance can lower your monthly payments, while a cash-out loan gives you money to handle big needs or new goals.
Not everyone fits in a box. If you’re self-employed or run your own business, bank statement loans offer the freedom to qualify your way.
When timing is everything, hard money loans come through fast. Perfect for investors or buyers who need quick funding to grab the right opportunity.
Dreaming of building someday or investing in land? We’ll help you finance that plot before someone else grabs it. Own the ground you walk on.
Your home has value—why not use it? A HELOC gives you access to flexible funds for projects, emergencies, or anything life throws your way.
We’ve streamlined the mortgage experience for Dallas-area homeowners:
We assess your business setup and income sources to determine if a bank statement loan is your best option.
We collect 12–24 months of bank statements to calculate a reliable monthly income average.
Once qualified, we submit your file to our network of lenders who specialize in self-employed loans.
Our team works with the lender to move your file through underwriting quickly and efficiently.
We finalize your loan and close the deal—giving you the keys or the refinance approval you need.
Getting approved for a mortgage shouldn’t be complicated just because you’re self-employed. At Armando (Mando) Ramirez, we offer personalized bank statement loan assistance in McKinney, TX, to help you qualify based on your actual income, not tax write-offs. We guide you through every step, from reviewing your statements to submitting your application with trusted lenders.
Whether you’re buying, refinancing, or investing, our team ensures you have clear answers and full support. We serve both English and Spanish-speaking clients throughout Arlington and nearby areas. Contact us today for professional bank statement loan assistance tailored to your goals.
Looking to buy or refinance a home in Richardson, TX, but don’t have traditional income documentation? Our home bank statement loan solutions are designed just for you. At Armando (Mando) Ramirez, we help self-employed clients use their real income—shown through consistent bank deposits—to qualify for flexible, competitive home loans.
With options for primary residences, second homes, or investment properties, we match you with lenders that understand your financial story, much like we do with our FHA mortgage options for first-time buyers. Schedule a free consultation today and let us help you secure a home loan that fits your lifestyle and income flow.
It’s a mortgage option that uses your bank statements—instead of W-2s or tax returns—to verify income.
Primarily self-employed borrowers, business owners, freelancers, or anyone who earns non-traditional income.
Typically 12 to 24 months of consistent personal or business bank statements are required.
Yes. Many borrowers use these loans to refinance or access equity if they can’t qualify for a conventional loan.
Rates may be slightly higher due to increased risk, but we shop aggressively for the most competitive terms.
Contact us at our local number today. Let Armando (Mando) Ramirez help you qualify for the home loan you deserve—no tax returns, no W-2s, no stress. Call today for your free consultation or apply online to get started.
Armando (Mando) Ramirez is a trusted name in Texas mortgage lending, providing tailored loan solutions for individuals from all financial backgrounds. We understand that not every borrower fits into a traditional mold—especially in Arlington’s fast-growing community of self-employed professionals.
Backed by Reliance Mortgage Company’s strong network and fast processing capabilities, Mando makes loan approvals smoother, faster, and smarter.
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