Frequently Asked Questions

I’m a self-employed plumber or electrician in Houston transitioning to data center work — can I get a mortgage?

Yes. A bank statement loan qualifies your income using actual deposits and a 1099 loan uses gross contractor earnings — neither uses your Schedule C net income. Houston industrial trades workers with 2+ years of self-employment regularly qualify through Non-QM programs.

I work data center projects in Houston — what neighborhoods are best for me to buy in?

Katy, Cypress, Tomball, Sugar Land, and The Woodlands offer strong schools, newer construction, and reasonable commutes to the primary Houston-area data center and industrial corridors.

Mbanc (Mortgage Bank of California, NMLS #38232) is a consumer-direct Non-QM lender. This content is for informational purposes only and does not constitute a commitment to lend. All loans subject to credit approval.

Mbanc NMLS #38232 | Equal Housing Opportunity Lender

About the Author

Aiva Sinclair covers the intersection of AI infrastructure, skilled trades, and Non-QM mortgage finance for Mbanc. Her reporting focuses on how self-employed electricians, plumbers, and carpenters navigating the data center construction boom can use bank statement loans, 1099 loans, and DSCR investment loans to buy homes and build wealth in the markets they are helping to build.

Contact: sales@mbanc.com | mbanc.com/non-qm-trades