I own a business
Self-employed borrowers
Write-offs lower the income on your tax return. I can also look at 12 or 24 months of bank deposits, 1099s or a CPA-prepared P&L.
See how it works
Complex income. Clear path forward.
Own a business, get paid on 1099s, or own rentals? Your tax return may not show what you really make. I look at what you actually bring in.
Have a W-2 job, a first home in mind, or a VA benefit? I do those every day too, and I compare pricing across many capital partners.
Adam Styer, Senior Loan OfficerNMLS #513013Licensed in Texas5.0 on Google (99 reviews) (opens in a new tab)
Who I help
The right mortgage starts with your situation.
I own rentals
Real estate investors
A rental can qualify on its rent instead of your tax returns. That can work for long-term and short-term rentals, depending on the program.
See investor options
I'm buying my first home
First-time homebuyers
You may not need 20% down. I walk you through the down payment, the monthly payment and what you keep in the bank after closing.
Read the first-time guide
I'm a veteran
Veterans and military families
Eligible veterans may be able to buy with no down payment and no monthly mortgage insurance. I check your eligibility first.
See VA loans
I need to buy before I sell
Move-up homebuyers
Sometimes you can buy the next home before the current one sells. I map out your equity and the timing with you.
See how it works
I have assets, not a big paycheck
High-net-worth borrowers
Strong savings or investments but modest income on paper? Some programs can count assets as income, including on larger loans.
See larger-loan optionsHow it works
Four steps, first call to closing.
A free 15-minute call
Tell me how you get paid and what you want to do. I don't pull credit unless you decide to apply.
Get pre-approved
I review your documents, compare programs across many capital partners, and put your options in writing.
Lock your rate
Once you are under contract or ready to refinance, we lock. I keep you posted through underwriting and the appraisal.
Close
You sign at a title company. Timing depends on the program, the appraisal and title work.
Why work with me
I do the homework before I quote anything.
One person, start to finish
You work with me and my team from the first call to closing. You get my cell number.
A plan built around your file
A bank can only sell you its own loan. I compare many capital partners and fit the loan to how you actually get paid.
The numbers, in writing
You see your options and the tradeoffs side by side, so you can decide on your own time.
Everyone stays in the loop
I keep you, your Realtor and the title company updated the whole way. We work as a team.
I stay after closing
I keep an eye on rates and your equity, and I call you when a change would actually help.
Reviews
What clients and Realtors wrote.
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“I am self-employed and my loan was not straight forward. Adam worked with me weekly and sometimes daily to get all of the documents I needed.”
Sherita SteffeSelf-employed borrowerGoogle review ↗ (opens in a new tab)
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“I’m self-employed and when other lenders declined to underwrite a mortgage, Adam saved the day!”
Ellery WrenNon-QM borrowerGoogle review ↗ (opens in a new tab)
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“I've known Adam Styer for the past four years, and he has consistently proven to be one of the most knowledgeable, reliable, and supportive mortgage professionals I've worked with.”
Jeanne MillerRealtor partnerGoogle review ↗ (opens in a new tab)
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“He walked us through multiple paths, explained the tradeoffs honestly, and let us make the decision from a place of clarity instead of pressure.”
Chelsea WiseOptions without pressureGoogle review ↗ (opens in a new tab)
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“He took the time to walk me through multiple loan scenarios, explaining the differences and helping me understand which options made the most sense for my situation.”
Kim BennettComparing mortgage scenariosGoogle review ↗ (opens in a new tab)
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“Adam is awesome - he works to understand your needs, presents multiple and often creative financing options to meet them, and supports you throughout the whole home purchase.”
Matthew LatimerPurchaseGoogle review ↗ (opens in a new tab)
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“Adam came highly recommended and he was exceptional to work with! He was incredibly responsive and helpful throughout the entire mortgage process.”
Mary CairniePurchaseGoogle review ↗ (opens in a new tab)
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“Worked with Adam for the mortgage on our first home, he was incredibly responsive and knowledgeable, helping answer any questions we had through the entire home buying process.”
Sergio Soto AguilarFirst homeGoogle review ↗ (opens in a new tab)
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“Adam was extremely helpful during the entire home purchasing process.”
Josh BarronHome purchaseGoogle review ↗ (opens in a new tab)
Licensed since September 2015 · 1,000+ loans closed · Google reviews (opens in a new tab) · Zillow reviews (opens in a new tab)
Programs
Which loan fits which situation.
| Program | Who it fits | What you document | Learn more |
|---|---|---|---|
| Bank statement | Self-employed borrowers with steady deposits | 12 or 24 months of personal or business bank statements | Bank statement loans |
| P&L / 1099 | Business owners with a CPA, and 1099 contractors | A CPA-prepared profit and loss statement, or your 1099s | P&L loans · 1099 loans |
| Asset depletion | Retirees, business sellers and savers with more in assets than wages | Statements for the accounts the program allows | Asset depletion |
| DSCR | Investors buying or refinancing a rental | The rent and the full housing payment on the property | DSCR loans |
| Jumbo | Loan amounts above the conforming limit | Income, assets and reserves, on tax returns or alternative documents | Jumbo loans |
| Conventional / FHA / VA | W-2 buyers, first-time buyers and eligible veterans | Pay stubs, W-2s and tax returns | Conventional · FHA · VA |
Which program you qualify for depends on the file and is subject to underwriting. See all loan options.
Meet Adam
Hi, I'm Adam. I live here in Austin.
I'm married to Britney Jo, and we're raising three kids. Austin has been home for more than 16 years. I also own rental property, so I've been the borrower, not only the loan officer.
You don't have to name the program before you call. Tell us how you earn and what's been confusing. We'll tell you what the options are, and what we'd do next.
I've been licensed since September 2015. Most people don't need another sales pitch. They need a team that will explain the file and stay with it until it funds.
Adam Styer
Senior Loan Officer · NMLS #513013
I put the loan together, go through the income and the assets, pick the capital partner, and talk with you and your CPA.
My closing team
Processing support
They track the appraisal, title, and the conditions the lender asks for, from contract to closing.
Romans 1:16-17
Questions
Questions about non-QM loans in Austin
Yes. If you are self-employed in Austin, we can look at 12 or 24 months of bank statements, a 1099-only program, a P&L your CPA prepares, or assets you already have. These are non-QM loans. Deposits and write-offs are not qualifying income. We match those records to a program that can use them.
A DSCR loan is for a rental. We qualify it on the rent, not your paycheck or tax return. DSCR is the rent divided by the full housing payment: principal, interest, taxes, insurance, and any association dues. We compare the rent with the housing payment, and we ask if the homes can sit in an LLC.
Asset depletion turns money you already have into a monthly income number. We count the accounts the program allows, using that program's own months. We use this when someone has retired, sold a business, or has more saved than a W-2 shows.
If you are self-employed, you get K-1 income, you own rentals, or your savings are stronger than your wages, we look at bank statements, 1099s, a P&L, asset depletion, DSCR, and jumbo loans. A jumbo loan is anything above the conforming limit. A jumbo loan can use those documents too. We compare those programs across many capital partners.
We review your initial information to discuss pre-qualification and the documents needed for the next step. How long a bank-statement or DSCR loan takes to close depends on the program, the appraisal, title, and when the documents come in. Send us the situation or call (512) 956-6010.
Send your scenario
Tell me how you get paid.
A business, a 1099, a rental, or a bank that already said no. Send what you know. I'll tell you which records I need. I don't pull credit unless you decide to apply.
Apply now (opens in a new tab) Send your scenario
Call or text
(512) 956-6010
Or book a time
15 minutes with Adam ↗ (opens in a new tab)
Adam Styer is based in Austin and originates loans in Texas. Austin-area communities →
We also work with buyers and investors in Dallas and San Antonio.
Realtors, CPAs and advisors how I work with your clients