Finally, Get Approved!

We provide self-employed mortgages for individuals in Texas. Yes! You can finally get approved! Fill out the form to learn more about qualifying.  
  • Loans From $150,000 - $4M
  • Fast Financing
  • Up to 90% Loan-to-Value
  • 640 Minimum Credit Score
  • As Little As 10% Down
  • No Tax Returns Required
  • Same Day Quote
Ready to get approved? All we need is a few details and we can quickly begin the qualification process. Don’t wait! Fill out the form now. Your new Texas area home is waiting.

Fill in the form to get started

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Name*
Property Zip Code
Are You Self-Employed?
Loan Purpose
Resident Type
Are you currently working with a realtor?

The Self-Employed Mortgage
Experts in Texas

Get mortgage approval regardless of your
write-offs with a self-employed loan. 

Fast Track Qualification

No tax returns, 640+ credit score, DTI up to 50%, personal/business bank statements based on 12-month averages. You don’t need perfect credit!

Multiple Loan Options

Owner-occupied, second homes, investment properties, condos, gift funds allowed, single-family residences, townhomes, purchase or refinance (cash-out allowed).

Flexible Terms

As low as 10% down. Can get approval with bankruptcy or foreclosure. Everyone deserves a second chance! Interest-only options and ARM options are available.

We Do All the Work For You

We specialize in non traditional mortgages and have over 50 different lender options to help you get the best rate in the current market.

Self-Employed Loans in Texas at the Best Market Rates

With over 40 years of combined experience and access to 50+ lenders, we’re passionate about securing the best current market rates for your non-traditional home loan.

We prioritize building relationships, not just closing deals. We offer over 50 lender options to Texans often overlooked by traditional lenders. We understand the stress of securing a mortgage, so we’ve built our reputation on transparency, trust, and a relentless pursuit of getting you the perfect non-traditional loan at the lowest possible rate.

And because giving back matters, Haven donates to a charity of your choice with every closed loan: The Rally Foundation for Kids’ Cancer, the Ozzie Albies Foundation for Animal Welfare, Best Buddies, or the Wounded Warrior Project.

Apply Now

What Is A Self-Employed Home Loan in Texas?

Navigating the traditional mortgage process can feel like a maze, especially for driven, self-employed Texans. You’ve poured your heart and soul into building your business – we understand that at Haven Home Loans. We’ve helped countless Texas entrepreneurs and business owners achieve their homeownership dreams, and we’re ready to do the same for you.

In fact, 87% of our self-employed borrowers choose our proven bank statement loan program. This program looks beyond outdated income documentation and focuses on your real financial strength: your cash flow. We analyze your bank deposits over 12 or 24 months, providing a clear picture of your financial health, rather than relying solely on tax returns.

Contact us today for a personalized consultation and experience the Haven Home Loans advantage.

Apply Now

Helping Folks in Texas Get Homes Loans for Self-Employed Individuals

We’ve specialized in non-traditional loans for over a decade
and helped thousands of self-employed clients.

Lauren Heffner​
We recently used Haven Home Loans in the purchase of our first home. Harris made every step of this process as easy and stress-free as possible. He thoroughly explained every element of what we were doing, which was so appreciated given how complicated this process can be. Harris is also incredibly efficient and responsive, and was able to move very quickly against a shortened due diligence period. We were even able to close a little bit early, in large part because of how quickly he made everything happen! Harris exemplifies professionalism, expertise in his field, responsiveness, and kindness, and I cannot recommend him enough!
Hannah Van Why​
What a WONDERFUL experience!!!!!!! Throughout the whole home buying process, Harris was there for me answering all my little financial questions and easing my every worry. I felt like he was looking out for us, I felt heard, and I truly had FUN with him!! As we were buying our first house, it was very important to me to be very involved and gain a full understanding of all the steps that were taken-- Harris did such a fantastic job of making sure I was learning the "why" behind each step, explaining everything in layman's terms, allowing me to feel comfortable with it all. He really went above and beyond, and we couldn't be more appreciative. Highly, highly, HIGHLY recommend Haven Home Loans!!!
Hayley Nicolich Rymer
We recently used Haven Home Loans in the purchase of our first home. Harris made every step of this process as easy and stress-free as possible. He thoroughly explained every element of what we were doing, which was so appreciated given how complicated this process can be. Harris is also incredibly efficient and responsive, and was able to move very quickly against a shortened due diligence period. We were even able to close a little bit early, in large part because of how quickly he made everything happen! Harris exemplifies professionalism, expertise in his field, responsiveness, and kindness, and I cannot recommend him enough!
Hoai Tong​
Harris is awesome! He is extremely knowledgable in the housing market and mortgage processes. It was my daughter’s first mortgage and Harris made the experience amazing and worry free. He was patient and supportive and guided us through everything step by step. He went above and beyond to provide the best personal service to prevent small issues from becoming bigger problems. He even answered our calls during his vacation, so it was comforting to know that he genuinely cared and was reliable. It was an immense pleasure working with Harris and without a doubt will continue to work with him for all further home loans and recommend him to anyone.
Tommy Nickles
Harris did an amazing job guiding my wife and I through the home buying process for both of our homes! He was diligent in his work, honest, responsive to our needs, and really made us feel comfortable through the entire process. I’ve recommended him to anyone buying a new home and have continued to hear great feedback on his behalf. Can’t recommend him enough!
Anna Fuhr
Everyone knows buying a home can be a stressful and painful process, but Harris made it as easy and seamless as possible. I can’t thank him enough for his help throughout my entire home buying process. As this was my first home, I had a lot of questions, but Harris was patient and took the time to answer all of them and talk through the process with me. I was also buying in an intense market where time was of the essence and I firmly believe his quickness and thoughtfulness is the reason I was able to buy the home I did. I would recommend Harris with zero hesitation, especially for first time home buyers like myself!

Haven Home Loans, LLC,
5555 Glenridge Connector
Suite 200, Office 21
Sandy Springs, GA 30342
678-884-7871
info@havenhomeloansllc.com

Licensed in GA, TX, and FL

Licensing information for
Haven Home Loans, LLC NMLS 2431561

GRMA 2431561

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