How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

Can I get a mortgage in Houston if I am self-employed with no W-2?

Yes. Bank statement loans use 12 to 24 months of your business or personal bank deposits to qualify you instead of W-2s or tax returns. Many self-employed Houston borrowers actually qualify for more this way, because bank statements show your full cash flow — not just the taxable income left after deductions.

How much down payment do I need as a self-employed buyer in Houston?

Bank statement loans typically require 10% to 20% down, depending on the lender and your credit profile. Conventional loans (if your tax returns support the income) can be as low as 3% to 5%. Liuver will look at your situation and tell you which path gives you the best terms.

Do I need to show tax returns for a self-employed mortgage?

Not with a bank statement or P&L loan. These are Non-QM (non-qualified mortgage) programs designed specifically for self-employed borrowers whose tax returns do not reflect their real income. You will need bank statements (and sometimes a P&L), but not two years of tax returns.

What credit score do I need for a self-employed loan in Houston?

Bank statement loans typically need a 660+ credit score, though some lenders go to 620. Conventional needs 620+. If your credit needs work, Liuver can help you build a plan to get there.

I am a 1099 contractor in Houston — can I qualify?

Yes. 1099 contractors can use bank statement loans or 1099-specific programs that qualify you on gross contract income rather than net taxable income. If you work in oil and gas, construction, or consulting around Houston, Liuver has lenders who understand your income structure.

Houston, TX — Greater Houston

Self-Employed Mortgage in Houston, Texas

Buy a home in Houston without W-2s or tax returns. Bank statement loans, P&L programs, and Non-QM options built for entrepreneurs, contractors, and gig workers across Greater Houston.

Meet your loan originator

Originator

Liuver Duran

Mortgage Loan Originator

NMLS #2579601

Company

Sociable Mortgage LLC

NMLS #2498240

Mortgage broker

Languages

English & Spanish

Full process in Spanish

Self-employed mortgages in Houston

Houston is one of the most entrepreneur-friendly cities in America. From energy consultants and oilfield contractors to restaurant owners, real estate agents, and gig workers, a huge share of Houston's workforce is self-employed — and traditional W-2 mortgages do not fit their income reality.

If you are self-employed in Houston, you do not need to show tax returns to buy a home. Bank statement loans use 12 to 24 months of business or personal bank deposits to qualify you, instead of W-2s. P&L programs let a CPA-prepared profit-and-loss statement do the same thing. Many self-employed borrowers actually qualify for more than they would on a traditional loan, because bank statements show the full picture of cash flow.

Liuver specializes in self-employed borrowers across Houston. He understands the gig economy, 1099 contractors, and small business owners — and he knows which lenders actually fund bank statement loans vs. which just say they do. He will look at your actual deposits and tell you exactly what you qualify for.

Bank statement loans — 12 to 24 months of deposits, no tax returns
P&L loans — CPA-prepared profit and loss statement qualifies you
1099 contractor loans — qualify on gross income, not net
DSCR loans for self-employed investors — rental income qualifies
Conventional still available if your tax returns show enough income
Bilingual process — everything in English or Spanish

Available Programs

Bank Statement Loan

12-24 months of deposits, no W-2 or tax returns

P&L Only Loan

CPA-prepared profit & loss qualifies you

DSCR Loan

Rental income qualifies — for self-employed investors

Conventional

If your tax returns show enough income

ITIN Loan

Self-employed with ITIN — no SSN required

Foreign National

Self-employed non-resident buying in Houston

Frequently asked questions

What our clients say

"I am a contractor and my tax returns showed almost nothing after deductions. Liuver used my bank statements and I qualified for $450K. Could not have done it with a regular bank."

Ricardo P.

Houston, TX

"Self-employed restaurant owner. Two years of bank statements and I was in my dream home. Liuver knows which lenders actually fund bank statement loans."

Aisha K.

Sugar Land, TX

"1099 oilfield consultant. My income is great but irregular. Liuver found a program that used my gross contract income and I closed in 28 days."

Tom H.

Houston, TX

Liuver Duran — NMLS #2579601. Mortgage Loan Originator at Sociable Mortgage LLC — NMLS #2498240. Sociable Mortgage LLC is a licensed mortgage broker, not a lender. Not a commitment to lend. Equal Housing Opportunity.

Your next step

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