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Program 07

Bank Statement / No-Doc in Longview

Longview, Texas bank statement loans for choppy income.

We qualify self-employed investors on 12 to 24 months of bank statements, or on the asset itself, with no W-2s and no tax returns. Loans run $100K to $3M, credit from 640, down payment from 20%, in a personal name or an LLC. Longview, Texas leans on oil-field and industrial work that has contracted, so W-2 history can run uneven. Business-purpose only, subject to underwriting.

Bank Statement / No-Doc in Longview, TX from USA Mortgage
0
tax returns
No-doc
options
Self-employed
friendly
$3M
max loan

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

We can underwrite using 12 to 24 months of bank statements, or structure a no-doc loan that leans on the property and your reserves. It fits business owners, 1099 earners, and investors who don't fit a conventional income box.

Who it's for
Self-employed investors
Business and 1099 income
Investors with heavy write-offs
Personal name or LLC
Typical terms
Loan amount$100K to $3M
Income docsBank statements or none
PropertyInvestment / business-purpose
TermShort-term or 30-yr
CreditFrom 640
Down paymentFrom 20%
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

Bank Statement / No-Doc in Longview, answered.

Why do bank statements fit Longview borrowers?
Because the local job base is oil-field and industrial, and that base has contracted. In July 2026 the Longview metro had 14.6 thousand mining, logging and construction jobs and 14.6 thousand manufacturing jobs out of 123.9 thousand. Mining, logging and construction is down from 18.4 thousand in July 2019 (21%) and manufacturing from 16.2 thousand (10%), while total employment was flat. A contractor or small shop owner with a choppy W-2 or tax-return history can still show steady deposits. We found no local self-employment statistic, so we do not quote one.
Is self-employment more common in Texas than elsewhere?
Not by much overall; the distinctive share is in construction. Statewide, Texas had 3,092,631 businesses with no employees in 2023, averaging $57,720 in receipts against a national average of $57,611. Construction was 12.24% of Texas nonemployers against 9.59% nationally. That is a statewide Census figure, not a Longview one, and Texas construction nonemployers grew only 8.1% from 2019 to 2023, slower than the state's overall 16.4%, so this is a story of share, not boom.

Sources: www2.census.gov

What does a 20% down payment look like at Longview-area prices?
Roughly $33,000 to $47,000 at the mid-tier values of the core submarkets. Zillow's July 2026 mid-tier values were $166,238 in Marshall, $215,187 in Kilgore and $234,128 in Longview. Twenty percent down is about $33,248 in Marshall ($166,238 x 0.20) and about $46,826 in Longview ($234,128 x 0.20), our arithmetic and an illustration, not a quote. Down payment on this program starts at 20%, credit starts at 640, and everything is subject to underwriting.
What property tax will the deposits have to carry?
The full stack, because an investment property gets no homestead exemption or cap. On 2025 rates it is 1.996131 per $100 in Longview ISD (about $4,990 a year on a $250,000 basis) and 1.395234 in Hallsville. Gregg CAD began a residential reappraisal in July 2026 that runs to March 2027. A bank statement loan qualifies the borrower on deposits, but the property's carry still shows up in the deal, so use the actual parcel's tax statement. Talk to your CPA about your own position.

Sources: greggcounty.texas.gov, gcad.org

Where do Longview-area rents cover the cost of the property best?
At the low-basis end, and gross yield is a screen, not a cap rate. From Zillow's July 2026 city series, annual rent over value is about 6.0% in Longview, 7.1% in Kilgore and 9.1% in Marshall, whose rent series is recent and has no year-over-year figure. The metro's single-family rent index was up 3.4% year over year against 0.6% for values. Those are gross figures with no expense data behind them, so test each deal on taxes, insurance and your own deposits.

More Bank Statement / No-Doc questions, answered on the program page

Resources

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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-09-04.

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