When your financial picture is different, your mortgage should be too.
More Than One Way to Qualify
Real estate is one of the most powerful ways to build wealth, but the path to getting there doesn't look the same for everyone.
Traditional loans can be limiting, especially when income doesn’t fit neatly into a box.
That’s why we offer mortgage solutions designed to fit how you earn, invest, and plan.
The right loan* structure can make a meaningful difference in how you approach your next purchase or investment.
Our team works to understand the full financial picture, evaluate your options, and determine the right fit.
Debt Service Coverage Ratio (DSCR) Loans
It’s time to grow your real estate portfolio on your terms. With a DSCR Loan, your investment property works for you, helping you qualify based on its income potential, not your personal income.
Instead of basing eligibility on tax returns or employment history, this loan assesses whether your property’s rental income can cover its mortgage payments. This provides a more streamlined path to financing and lets you scale your investments with confidence.
Bank Statement Loans
Your success doesn’t always show up on a W-2 – and it shouldn’t have to. If you’re self-employed or a business owner, a bank statement loan offers the flexibility to qualify based on your actual cash flow.
By using 12-24 months of bank statements instead of traditional income documents, this loan opens up the door to homeownership or other investment opportunities.
Asset Reduction Loans
After building your wealth, it’s time to let it work for you. An asset reduction loan (also known as asset depletion loan) allows you to leverage your savings, investments, or retirement accounts to qualify for a mortgage without relying on traditional income.
By transforming your assets into a qualifying income stream, this solution provides flexibility for those with substantial holdings or complex financial profiles. It’s a smarter way to access financing while preserving your lifestyle.
Why Jefferson Bank?
- Over 80 years serving Central and South Texas
- Nearly $3 Billion in assets
- Experienced, locally based lending team
- Fast, local decision-making
- Robust portfolio of services and products for all your personal and business financing needs
Notices & Disclosures
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice. Additional terms and conditions may apply.