Texas Bank Statement Mortgage – No Tax Return Texas Mortgage Lenders
Yes, bank statement Texas mortgage lenders offer Texas mortgages to purchase or cash-out refinance Texas real estate using bank statement deposits as income. Self-employed Texas Bank statement mortgage lenders do not require tax returns to qualify. Texas Bank statement mortgage lenders use a 3/12/24 months average bank statement deposits to average the self-employed mortgage applicants’ qualifying income. Texas No Tax Return alternatives include: No doc – 1099-Only – no-tax return – self-employed – Profit Loss – VOE mortgage – Rent To Own – Jumbo –
Bank Statement Texas Mortgage Lenders Video
Cashout Refinance Texas Mortgage using Bank Statements
No Income – No Tax Return Texas Mortgage Options
| No Income Verification Primary: | Requires 1.A larger downpayment, 2. 6-12 months reserves, 3. better credit scores. |
| Bank Statement Deposits: | Requires 1.A larger downpayment, 2. 6-12 months reserves, 3. better credit scores. |
| No Income Investor: | Use the current or projected rental income to qualify with no personal income. |
| Asset-Based: | Divide assets by 60/84 to create a monthly income. Stocks and retirement use 60% discount. |
| ITIN Texas Mortgage Lenders: | No SS# OK! Use ITIN: The Tribe will buy the property for you, and you pay the lender off. |
Why Do People Seek Bank Statement Loans?
Texas Bank Statement Mortgage Lenders Do Not Require Tax Returns. They use your Average Bank Statement Deposits to qualify your income. Bank Statement Loans are specifically designed for self-employed individuals who may not have traditional income documentation, such as W-2s or tax returns. Instead of relying on these documents, Texas no tax return mortgage lenders use your bank statements to verify your income.
Average Bank Statement Deposits For Income
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- 3 months’ bank statements are used to calculate the average income.
- 12 months’ bank statements are used to calculate the average income.
- 24 months’ business bank statements are used to calculate the average income. Bank Statement.
Bank Statement Mortgage Lenders In Every City in Texas, including:
Jacksonville, Miami, Tampa, Orlando, Palm Beach, Fort Lauderdale, St. Petersburg, Port Charlotte, Clearwater, Tallahassee, Port St. Lucie, Cape Coral, Palm Beach, Boynton Beach, Boca Raton, Jupiter, Ocala, Key West, Saint Petersburg, Hollywood, Coral Springs, Dave, Panama City, Fort Myers, Aventura, Homestead,
NoTax Return Mortgage Options Include:
- Home Loan No Tax Returns =OK 1099 mortgage Lenders = OK 3 Months Bank Statement = OK
- Self-Employed Less than 1 year = OK VOE Only Mortgage = OK Asset Depletion = OK
- ITIN No Tax return mortgage = OK Nonresident No Tax Return = OK Pledged Assets = OK
- Asset Depletion or Pledged = OK Business Profit Loss = OK DSCR Rental Income = OK
- No Doc, No W2, No Tax Return = OK Bank Statement Deposits = OK Jumbo No Tax Returns = OK
- NO Tax Return Short Term Rental = OK No Income Cashout Refinance = OK Condo Refi No Tax Returns = OK
Bank Statement Mortgage Property Includes:
- Single-family home – Bank Statement Mortgage Lenders
- Luxury Jumbo – Bank Statement Mortgage Lenders
- Townhouse- Bank Statement Mortgage lenders
- Manufactured home – Bank Statement Mortgage Lenders
- Co-op – Bank Statement, Texas Mortgage Lenders
- Condotel – Bank Statement Mortgage Lenders
- Investor Loans- No Income verification,n Texas Mortgage lenders
About No Tax Return Mortgage Questions and Answers
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What is a bank statement loan? This loan allows Texas self-employed individuals or those with non-traditional income to qualify for a mortgage using their bank statements for income instead of standard income documentation like W-2s and tax returns.
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How do bank statement loans work? Texas mortgage lenders analyze 12 or 24 months of your bank statements (personal or business) to determine your average monthly income based on consistent deposits. They look at the total deposits and may apply a percentage to calculate your qualifying income based on the type of business you’re in. ( 100% of personal deposits, 50% of business deposits).
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Who typically qualifies for a bank statement loan? Business owners, self-employed individuals, freelancers, and contractors who may have difficulty proving income through traditional methods often benefit from these loans.
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Is a bank statement loan a subprime loan? No, bank statement loans are considered non-qualified Mortgages (non-QM), designed for specific borrowers who are not necessarily high-risk borrowers. However, they can be riskier for Texas mortgage lenders and borrowers than qualified mortgages.
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What is the difference between a bank statement loan and a traditional mortgage? The primary difference is income verification. Traditional mortgage lenders qualify a borrower’s income using tax returns and W-2s, while bank statement loans use bank deposits.
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How many months of bank statements are required for bank statement loans? Typically, lenders require 12 to 24 consecutive months of bank statements from the same account.
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What credit score is needed for a bank statement loan? A good credit score is generally required, often 640 or higher, with some lenders allowing down to 600+. Higher scores may lead to better terms and lower down payments. Min credit score subject to change with market conditions.
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What is the minimum down payment for a bank statement loan? The minimum down payment requirements can range from 10% to 20% or more, depending on the lender and your credit score.
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Is there a minimum time I need to be self-employed to qualify for a bank statement-only loan? Most Texas bank statement mortgage lenders require at least two years of self-employment. However, some may consider one year if you have prior W2 experience in the same line of work.
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What if my business had a bad year? Can I still qualify using bank statemetns for income?? Can some bank statements, Texas lenders may focus on the most recent 12 months of bank statements if your business has recently improved after a downturn.
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Can I use personal and business bank statements?Yes, depending on where your business income is deposited. Using personal accounts for business income might require additional scrutiny.
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What are some red flags on bank statements? Overdrafts, non-sufficient funds (NSF) fees, large unexplained deposits or withdrawals, and payments to undisclosed accounts can raise concerns for Texas bank statement mortgage lenders.
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Can I add a co-borrower with W-2 income to a bank statement-only loan? Yes, some programs allow a co-borrower with traditional income documentation to be included.
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How long does the approval process take? The timeline can be similar to conventional mortgages (30-45 days), but may take longer due to the detailed bank statement analysis.
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What other documents are typically required? Besides bank statements, you may need to provide identification, proof of address, a business license (if applicable), and possibly a letter from a tax preparer or CPA to verify business details.
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What is the maximum debt-to-income (DTI) ratio allowed? Texas bank statement mortgage lenders typically cap back-end DTI below 45-50%, but it greatly depends on credit score and the loan-to-value.
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Are there restrictions on the type of property I can buy? Texas bank statement loans can be used for primary residences, second homes, and investment properties, including single-family homes, townhouses, and condos.
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Are interest rates higher for bank statement loans? Yes, interest rates for Texas bank statement loans tend to be higher than conventional loans due to the anticipated higher risk.
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What are the typical loan amounts for Texas bank statement mortgage lenders? Loan amounts can vary, with some lenders offering up to $1 million or more.
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Do I need to have cash reserves? Yes, Texas bank statement mortgage lenders require borrowers to have several months’ worth of mortgage payments in reserve ( 3-6 months of PITI – Principal, Interest, Taxes, and Insurance).
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How do Texas mortgage lenders determine eligibility from bank statements? They look for consistent and regular deposits that indicate stable income. They also analyze account stability, expenses, and the source of large deposits.
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Where can I get a bank statement loan in Texas? Not all lenders offer non-QM loans, so it’s best to ask mortgage brokers or lenders directly about their bank statement loan programs.
Calculating Bank Statement Texas Mortgage Income
On the 24-month Texas bank statement mortgage program, the lower of the 24-month or last 12-month average, less an expense factor, will be used for qualifying purposes. On the 12-month program, the average deposit less an expense factor will be used for qualifying purposes. The Texas bank statement mortgage will have an expense factor applied to the deposits used for calculating income. The expense factors available will be: 90%, 70%, 50%, 30%, or 15%. An analysis of the business will determine the factors used based on the activity shown in the bank statements and an analysis of the Business Analysis Questionnaire. Examples of each category are listed below. These are only examples, and the Texas Bank Statement Mortgage Lenders underwriter will determine the final expense ratio based on the review of the business.
Self-Employed Bank Statement Mortgage Lenders Questionnaire

Bank Statement Texas Mortgage Lenders Questionnaire
Bank Statement Texas Mortgage Expense Ratio
• 90% expense factor characteristics
o Unlimited employees.
o Multiple physical locations
o High inventory (New car dealerships, Restaurants, New home builders, Retail foot traffic stores)
• 70% expense factor characteristics
o Up to 25 employees.
o Physical location
o Medium inventory requirements (Home improvement, Trucking Company, Gas stations, Beauty salons)
• 50% expense factor characteristics
o Work from home or with limited facilities.
o Minimal employee count (Up to 15)
o Service provider with limited inventory or inventory by consignment (Landscaper, Appliance repair, Contract doctors, Art dealer, Independent truck driver)
• 30% expense factor characteristics
o Work from home with no inventory and some travel expenses
o Limited Employees (up to 5)
o Service provider (Consultant, Accountant, Event planner, Internet “pass-through” company, Sales/Distributor)
• 15% expense factor characteristics
o Work from home with no inventory and minimal travel
o All work may be conducted by a computer or over the phone
o No Employees
o Limited Service provider (Authors/Writers, Virtual Assistant, Online Instructor)
Note: These examples are meant to be used as a guide and are subject to change. Each bank statement Texas mortgage lender has their way of determining expenses.
About Bank Statement Texas Mortgage Lenders:
Texas NON-QM mortgage lenders allow 12/24 months of personal or business bank statements to calculate income without requiring tax returns. This program is available for purchase, cash-out refinance, or rate-term refinances. Whether you’re self-employed, a business owner, freelancer, contractor, or gig worker, we can help you qualify for a Texas mortgage using bank statements for income.
Low Down- Texas Bank Statement Texas Mortgage
- 5% Down Payment Options – 4-6 months reserves + possible seller-paid closing costs
- Min 580 credit score with proof of rental history and no late payments in 12+ months.
- No other documents like W2s, tax transcripts, or years of financial history.
- Fewer documents make it easier for self-employed and business owners to qualify.
- A better option than claiming too much income on your tax returns.
- No Need to Amend Your Taxes! Instead, average 12/24 months deposits for income.
Texas Bank Statement Mortgage Alternatives
| Self-employed | 1 YR Self-employed |
| Bank statement | VOE Only |
| No Income verification | Profit & Loss |
| No Doc | Non-resident |
| 1099 Only | ITIN Mortgage |
Flexible Bank Statement Mortgage Lenders
- Underwriters focus and simpler documentation.
- Easier for non-traditional self-employed individuals to use more qualifying Income!
- Ideal for self-employed, Contractors, Gig workers, and Entrepreneurs.
- Traditional mortgage lenders analyze pages and pages of tax returns, looking for red flags.
12 or 24 Months Bank Statements
Use the most recent 2 years’ W2 income plus your most recent 12 or 24-month business or personal bank statement average deposits to qualify for your next Texas Mortgage!
Business or Personal Bank Statements – OK
If the money deposited into your account came from a business account, you can use 100% of the deposits. If the money came directly from sales before any expenses, the lender will assign an expense ratio to your business depending on the industry you work in.
Self-Employed Personal and Business Bank Statements:
- If the self-employed maintain separate bank accounts for personal and business use, only personal bank statements are used to qualify.
- The Self-Employed is to provide the most recent 24 or 12 months consecutive personal bank statements and 2 months business bank statements (to support the Self-Employed does maintain separate accounts, and to show business cash flows to utilize 100% of business-related deposits in a personal account).
- The deposits are analyzed and averaged to determine monthly income.
- No expense factors
- Deposits to a personal account from sources other than self-employment are not to be included.
Business Bank Statement Only:
o Business bank statements must be operating account(s) reflecting normal business expenses.
o If only using business bank statements, Self-Employed is to provide the most recent 12- or 24-month consecutive business bank statements. Standard expense factor applies; 50% expense factor.
o If the type of business operates more efficiently or typically has a materially different expense factor (lower than 50%), then the expense factor per either a CPA/CTEC/EA letter or P&L may be applied.
o The underwriter may use an expense factor higher than the standard 50% when the analysis of the bank statements reflects higher expenses.
o The minimum expense factor with a CPA letter or P&L is 20%.
When a CPA or tax preparer-produced statement is provided, apply the stated expense factor to calculate the qualifying income. Provide either of the following:
A CPA/CTEC/EA produced a written statement specifying the actual expense ratio of the business
(including cost of goods sold and all other business expenses) based on the most recent year filed
tax returns. Such a statement shall not include an unacceptable disclaimer or exculpatory language
regarding its preparation; or,
A CPA/CTEC/EA produced P&L statement that has been reviewed by the CPA/CTEC/EA, the
CPA/CTEC/EA states they have reviewed the P&L in writing, and the P&L and the accompanying theThe
bank statement does not have an unacceptable disclaimer or exculpatory language regarding its preparation.
The expense factor per the P&L or CPA/CTEC/EA produced statement must be reasonable. The annual
Deposits on the bank statements must be at least 75% of the gross receipts per the P&L.
Bank Statement, Texas Mortgage Lenders Locations: Can you find yours?
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Gillett Karnes County
Gilmer Upshur County
Girard Kent County
Girvin Pecos County
Gladewater Gregg County
Glazier Hemphill County
Glen Flora Wharton
Glen Rose Somerville
Glenn Heights Dallas
Glidden Colorado County
Gober Fannin County
Godley Johnson County
Golden Wood County
Goldsboro Coleman County
Goldsmith Ector County
Goldthwaite Mills County
Goliad Goliad County
Golinda Falls County
Gonzales Gonzales County
Good Fellow Air Force
Goodlow Navarro County
Goodrich Polk County
Gordon Palo Pinto
Gordonville Grayson County
Goree Knox County
Gorman Eastland County
Gouldbusk Coleman County
Graford Palo Pinto
Graham Young County
Granbury Hood County
Grand Prairie Dallas
Grand Saline Van
Grandfalls Ward County
Grandview Johnson County
Granger Williamson County
Grangerland Montgomery County
Granite Shoals Burnet
Grapeland Houston County
Grapevine Denton County
Grays Prairie Kaufman
Greenville Hunt County
Greenwood Wise County
Gregory San Patricio
Grey Forest Bexar
Griffing Park Jefferson
Groesbeck Limestone County
Groom Carson County
Groves Jefferson County
Groveton Trinity County
Gruene Comal County
Grulla Starr County
Gruver Hansford County
Guerra Jim Hogg
Gun Barrel City
Gunter Grayson County
Gustine Comanche County
Guthrie King County
Guy Fort Bend
Hackberry Denton County
Hale Center Hale
Hallettsville Lavaca County
Hallsburg McLennan County
Hallsville Harrison County
Haltom City Tarrant
Hamilton Hamilton County
Hamlin Fisher County
Hamshire Jefferson County
Hankamer Chambers County
Happy Armstrong County
Hardin Liberty County
Hargill Hidalgo County
Harker Heights Bell
Harleton Harrison County
Harlingen Cameron County
Harper Gillespie County
Harrold Wilbarger County
Hart Castro County
Hartley Hartley County
Harwood Gonzales County
Haskell Haskell County
Haslet Denton County
Hasse Comanche County
Hawkins Wood County
Hawley Jones County
Hays Hays County
Hearne Robertson County
Heath Kaufman County
Hebbronville Jim Hogg
Hebron Denton County
Hedley Donley County
Hedwig Village Harris
Heidenheimer Bell County
Helotes Bexar County
Hemphill Sabine County
Hempstead Waller County
Henderson Rusk County
Henrietta Clay County
Hereford Deaf Smith
Hermleigh Scurry County
Hewitt McLennan County
Hext Menard County
Hickory Creek Denton
Hico Hamilton County
Hidalgo Hidalgo County
Higgins Lipscomb County
High Island Galveston
Highland Bayou Galveston
Highland Haven Burnet
Highland Park Dallas
Highland Village Denton
Highlands Harris County
Hill Country Village
Hillcrest Brazoria County
Hillister Tyler County
Hillsboro Hill County
Hilltop Lakes Leon
Hilshire Village Harris
Hitchcock Galveston County
Hobson Karnes County
Hochheim De Witt
Hockley Harris County
Holiday Lakes Brazoria
Holland Bell County
Holliday Archer County
Hollywood Park Bexar
Hondo Medina County
Honey Grove Fannin
Hooks Bowie County
Horizon City El
Horseshoe Bay Burnet
Houston Harris County
Howardwick Donley County
Howe Grayson County
Hubbard Hill County
Hudson Angelina County
Hudson Oaks Parker
Huffman Harris County
Hufsmith Harris County
Hughes Springs Cass
Hull Liberty County
Humble Harris County
Hungerford Wharton County
Hunt Kerr County
Hunters Creek Village
Huntington Angelina County
Huntsville Walker County
Hurst Tarrant County
Hutchins Dallas County
Hutto Williamson County
Huxley Shelby County
Hye Blanco County
Idalou Lubbock County
Impact Taylor County
Imperial Pecos County
Independence Washington County
Indian Lake Cameron
Industry Austin County
Inez Victoria County
Ingleside San Patricio
Ingleside on the Bay
Ingram Kerr County
Iola Grimes County
Iowa Colony Brazoria
Iowa Park Wichita
Ira Scurry County
Iraan Pecos County
Iredell Bosque County
Irene Hill County
Irving Dallas County
Italy Ellis County
Itasca Hill County
Ivanhoe Fannin County
Izoro Coryell County
Jacinto City Harris
Jacksboro Jack County
Jacksonville Cherokee County
Jamaica Beach Galveston
Jarrell Williamson County
Jasper Jasper County
Jayton Kent County
Jefferson Marion County
Jermyn Jack County
Jersey Village Harris
Jewett Leon County
Joaquin Shelby County
Johnson City Blanco
Joinerville Rusk County
Jolly Clay County
Jones Creek Brazoria
Jonesboro Coryell County
Jonestown Travis County
Jonesville Harrison County
Josephine Collin County
Joshua Johnson County
Jourdanton Atascosa County
Judson Gregg County
Junction Kimble County
Justiceburg Garza County
Justin Denton County
Kamay Wichita County
Karnack Harrison County
Karnes City Karnes
Katy Fort Bend
Kaufman Kaufman County
Keechi Leon County
Keene Johnson County
Keller Tarrant County
Keller Air Force Base
Kemah Galveston County
Kemp Henderson County
Kempner Lampasas County
Kendalia Kendall County
Kendleton Fort Bend
Kenedy Karnes County
Kenefick Liberty County
Kennard Houston County
Kennedale Tarrant County
Kenney Austin County
Kent Culberson County
Kerens Navarro County
Kermit Winkler County
Kerrick Dallam County
Kerrville Kerr County
Kildare Cass County
Kilgore Gregg County
Killeen Bell County
Kingsbury Guadalupe County
Kingsland Llano County
Kingsville Kleberg County
Kingsville Naval Air Station
Kingwood Harris County
Kirby Bexar County
Kirbyville Jasper County
Kirkland Childress County
Kirvin Freestone County
Kleberg Dallas County
Klein Harris County
Klondike Delta County
Knickerbocker Tom Green
Knippa Uvalde County
Knollwood Grayson County
Knott Howard County
Knox City Knox
Kopperl Bosque County
Kosse Limestone County
Kountze Hardin County
Kress Swisher County
Krugerville Denton County
Krum Denton County
Kurten Brazos County
Kyle Hays County
La Blanca Hidalgo
La Coste Medina
La Feria Cameron
La Grange Fayette
La Grulla Starr
La Joya Hidalgo
La Marque Galveston
La Porte Harris
La Pryor Zavala
La Salle Jackson
La Vernia Wilson
La Villa Hidalgo
La Ward Jackson
Lackland Air Force Base
Lacy Lakeview McLennan
Ladonia Fannin County
Lago Vista Travis
Laguna Park Bosque
Laguna Vista Cameron
Laird Hill Rusk
Lake Bridgeport Wise
Lake Brownwood Brown
Lake City San
Lake Creek Delta
Lake Dallas Denton
Lake Jackson Brazoria
Lake Kiowa Cooke
Lake Tanglewood Randall
Lake Travis Travis
Lake View Jefferson
Lake Worth Tarrant
Lakehills Bandera County
Lakeport Gregg County
Lakeside Tarrant County
Lakeside City Archer
Lakeview Hall County
Lakeway Travis County
Lakewood Village Denton
Lamesa Dawson County
Lampasas Lampasas County
Lancaster Dallas County
Lane City Wharton
Laneville Rusk County
Langtry Val Verde
Laredo Web County
Larue Henderson County
Lasara Willacy County
Las Milpas Hidalgo
Latexo Houston County
Laughlin Air Force Base
Lavon Collin County
Lawn Taylor County
Lazbuddie Parmer County
Leaday Coleman County
League City Galveston
Leakey Real County
Leander Travis County
Leary Bowie County
Ledbetter Fayette County
Leesburg Camp County
Leesville Gonzales County
Lefors Gray County
Leggett Polk County
Legion Kerr County
Lelia Lake Donley
Leming Atascosa County
Lenorah Martin County
Leon Junction Coryell
Leon Valley Bexar
Leona Leon County
Leonard Fannin County
Leroy McLennan County
Levelland Hockley County
Lewisville Dallas County
Lexington Lee County
Liberty Rusk County
Liberty City Gregg
Liberty Hill Williamson
Lillian Johnson County
Lincoln Lee County
Lincoln Park Denton
Lindale Smith County
Linden Cass County
Lindsay Cooke County
Lingleville Erath County
Linn Hidalgo County
Lipan Hood County
Lipscomb Lipscomb County
Lissie Wharton County
Little Elm Denton
Little River Bell
Little River Academy
Littlefield Lamb County
Live Oak Bexar
Liverpool Brazoria County
Livingston Polk County
Llano Llano County
Lockhart Caldwell County
Lockney Floyd County
Lodi Marion County
Log Cabin Henderson
Lohn McCulloch County
Lolita Jackson County
Lomax Harris County
Lometa Lampasas County
London Kimble County
Lone Oak Hunt
Lone Star Morris
Long Branch Panola
Long Mott Calhoun
Longview Gregg County
Loop Gaines County
Lopeno Zapata County
Loraine Mitchell County
Lorena McLennan County
Lorenzo Crosby County
Los Ebanos Hidalgo
Los Fresnos Cameron
Los Indios Cameron
Los Ybanez Dawson
Lott Falls County
Louise Wharton County
Lovelady Houston County
Loving Young County
Lowake Concho County
Lowry Crossing Collin
Lozano Cameron County
Lubbock Lubbock County
Lucas Collin County
Luckenbach Gillespie County
Lueders Jones County
Lufkin Angelina County
Luling Caldwell County
Lumberton Hardin County
Lyford Willacy County
Lyons Burleson County
Lytle Atascosa County
Mabank Henderson County
Macdona Bexar County
Madisonville Madison County
Magnolia Montgomery County
Magnolia Springs Jasper
Malakoff Henderson County
Malone Hill County
Manchaca Travis County
Manor Travis County
Mansfield Ellis County
Manvel Brazoria County
Maple Bailey County
Marathon Brewster County
Mable Falls Burnet
Marfa Presidio County
Marietta Cass County
Marion Guadalupe County
Markham Matagorda County
Marlin Falls County
Marquez Leon County
Marshall Harrison County
Marshall Creek Denton
Mart McLennan County
Martindale Caldwell County
Martinsville Nacogdoches County
Maryneal Nolan County
Mason Mason County
Masterson Moore County
Matador Motley County
Matagorda Matagorda County
Mathis San Patricio
Maud Bowie County
Mauriceville Orange County
Maxwell Caldwell County
May Brown County
Maydelle Cherokee County
Maypearl Ellis County
Maysfield Milam County
Mc Caulley Fisher
Mc Coy Atascosa
McAdoo Dickens County
McAllen Hidalgo County
McCamey Upton County
McDade Bastrop County
McFaddin Victoria County
McGregor McLennan County
McKinney Collin County
McLean Gray County
McLeod Cass County
McLendon Chisholm Rockwall
McNair Harris County
McNeil Travis County
McQueeney Guadalupe County
Meadow Terry County
Meadowlakes Burnet County
Meadows Fort Bend
Meadows Place Fort
Medina Bandera County
Megargel Archer County
Melissa Collin County
Melvin McCulloch County
Memphis Hall County
Menard Menard County
Mentone Loving County
Mercedes Hidalgo County
Mereta Tom Green
Meridian Bosque County
Merit Hunt County
Merkel Taylor County
Mertens Hill County
Mertzon Irion County
Mesquite Dallas County
Mexia Limestone County
Meyersville De Witt
Miami Roberts County
Mico Medina County
Midfield Matagorda County
Midkiff Upton County
Midland Martin County
Midlothian Ellis County
Midway Madison County
Milam Sabine County
Milano Sabine County
Mildred Navarro County
Miles Runnels County
Milford Ellis County
Miller’s Cove Titus
Millersview Concho County
Millican Brazos County
Millsap Parker County
Minden Rusk County
Mineola Wood County
Mineral Bee County
Mineral Wells Palo
Mingus Palo Pinto
Mirando City Webb
Mission Hidalgo County
Missouri City Fort
Mobeetie Wheeler County
Mobile Rockwall County
Monahans Ward County
Monroe City Chambers
Mont Belvieu Chambers
Montague Montague County
Montague Village Coryell
Montalba Anderson County
Monte Alto Hidalgo
Montgomery Montgomery County
Moody McLennan County
Moore Frio County
Moore Station Henderson
Moran Shackelford County
Morgan Bosque County
Morgan Mill Erath
Morgan’s Point Harris
Morgan’s Point Resort
Morse Hansford County
Morton Cochran County
Moscow Polk County
Moulton Lavaca County
Mound Coryell County
Mount Calm Hill
Mount Enterprise Rusk
Mount Pleasant Titus
Mount Selman Smith
Mount Sylvan Smith
Mount Vernon Franklin
Mountain Coryell County
Mountain City Hays
Mountain Home Kerr
Muenster Cooke County
Muldoon Fayette County
Muleshoe Bailey County
Mullin Mills County
Mumford Robertson County
Munday Knox County
Murchison Henderson County
Murphy Collin County
Mustang Limestone County
Mustang Ridge Bastrop
Myra Cooke County
Nacogdoches Nacogdoches County
Nada Colorado County
Naples Morris County
Nash Bowie County
Nassau Bay Harris
Natalia Medina County
Navarro Navarro County
Navasota Brazos County
Nazareth Castro County
Neches Anderson County
Nederland Jefferson County
Needville Fort Bend
Nemo Somervell County
Nesbitt Robertson County
Nevada Collin County
New Baden Robertson
New Berlin Guadalupe
New Boston Bowie
New Braunfels Comal
New Caney Montgomery
New Chapel Hill Smith County
New Deal Lubbock
New Diana Upshur
New Home Lynn
New Hope Collin
New London Rusk
New Summerfield Cherokee
New Ulm Austin
New Waverly Walker
Newark Tarrant County
Newcastle Young County
Newgulf Wharton County
Newton Newton County
Neylandville Hunt County
Niederwald Caldwell County
Nixon Gonzales County
Nocona Montague County
Nolan Nolan County
Nolanville Bell County
Nome Jefferson County
Noonday Smith County
Nordheim De Witt
Normangee Leon County
Normanna Bee County
North Cleveland Leon
North Crest McLennan
North Lake Denton
North Houston Harris
North Richland Hills
North San Pedro
North Zulch Madison
Northfield Childress County
Norton Runnels County
Notrees Ector County
Novice Coleman County
Nursery Victoria County
O’Brien Haskell County
O’Donnell Dawson County
Oak Grove Kaufman
Oak Leaf Ellis
Oak Point Denton
Oak Ridge Cooke
Oak Ridge North
Oak Valley Navarro
Oakhurst San Jacinto
Oakland Colorado County
Oakville Live Oak
Oakwood Leon County
Odell Wilbarger County
Odem – San Patricio
Odessa Ector County
Odonnell Lynn County
Oglesby Coryell County
Oilton Webb County
Oklaunion Wilbarger County
Old Glory Stonewall
Old Ocean Brazoria
Old River Winfree
Olden Eastland County
Olmito Cameron County
Olmos Park Bexar
Olney Young County
Olton Lamb County
Omaha Morris County
Onalaska Polk County
Opdyke West Hockley
Orange Orange County
Orange Grove Jim
Orangefield Orange County
Orchard Fort Bend
Ore City Upshur
Orla Reeves County
Ottine Gonzales County
Otto Falls County
Ovalo Taylor County
Overton Rusk County
Ovilla Dallas County
Oyster Creek Brazoria
Ozona Crockett County
Paducah Cottle County
Paige Bastrop County
Paint Rock Concho
Palacios Matagorda County
Palestine Anderson County
Palisades Randall County
Palm Valley Cameron
Palmer Ellis County
Palmhurst Hidalgo County
Palmview Hidalgo County
Palo Pinto Palo
Paluxy Hood County
Pampa Gray County
Pandora Wilson County
Panhandle Carson County
Panna Maria Karnes
Panola Panola County
Panorama Village Montgomery
Pantego Tarrant County
Panther Creek Montgomery
Paradise Wise County
Paris Lamar County
Park Row Harris
Parker Collin County
Pasadena Harris County
Pattison Waller County
Patton Village Montgomery
Pattonville Lamar County
Pawnee Bee County
Payne Springs Henderson
Pear Ridge Jefferson
Pear Valley McCulloch
Pearland Brazoria County
Pearsall Frio County
Peaster Parker County
Pecan Gap Delta
Pecan Hill Ellis
Pecos Reeves County
Peggy Atascosa County
Pelican Bay Parker
Pendleton Bell County
Penelope Hill County
Penitas Hidalgo County
Pennington Trinity County
Penwell Ector County
Pep Hockley County
Pernitas Point Jim
Perrin Jack County
Perry Falls County
Perryton Ochiltree County
Petersburg Hale County
Petrolia Clay County
Petronila Nueces County
Pettus Bee County
Petty Lamar County
Pflugerville Travis County
Pharr Hidalgo County
Phillips Hutchinson County
Pickton Hopkins County
Pierce Wharton County
Pilot Point Denton
Pine Forest Orange
Pine Island Waller
Pinehurst Orange County
Pineland Sabine County
Piney Point Village
Pipe Creek Bandera
Pittsburg Camp County
Placedo Victoria County
Plains Yoakum County
Plainview Hale County
Plano Collin County
Plantersville Grimes County
Pleak Fort Bend
Pleasant Valley Wichita
Pleasanton Atascosa County
Pledger Matagorda County
Plum Fayette County
Plum Grove Liberty
Point Rains County
Point Blank San
Point Comfort Calhoun
Pollok Angelina County
Ponder Denton County
Pontotoc Mason County
Poolville Parker County
Port Acres Jefferson
Port Aransas Aransas
Port Arthur Jefferson
Port Bolivar Galveston
Port Isabel Cameron
Port Lavaca Calhoun
Port Mansfield Willacy
Port Neches Jefferson
Port O’Connor Calhoun
Porter Montgomery County
Portland Nueces County
Possum Kingdom Lake
Post Garza County
Post Oak Bend
Poteet Atascosa County
Poth Wilson County
Pottsboro Grayson County
Pottsville Hamilton County
Powderly Lamar County
Powell Navarro County
Poynor Henderson County
Prairie Hill Limestone
Prairie Lea Caldwell
Prairie View Waller
Premont Jim Wells
Presidio Presidio County
Price Rusk County
Priddy Mills County
Primera Cameron County
Princeton Collin County
Proctor Comanche County
Progreso Hidalgo County
Progreso Lakes Hidalgo
Prosper Collin County
Purdon Navarro County
Purmela Coryell County
Putnam Callahan County
Pyote Ward County
Quail Collingsworth County
Quanah Hardeman County
Queen City Cass
Quemado Maverick County
Quinlan Hunt County
Quintana Brazoria County
Quitaque Briscoe County
Quitman Wood County
Rainbow Somervell County
Raisin Victoria County
Ralls Crosby County
Rancho Viejo Jim
Randolph Bexar County
Ranger Eastland County
Rangerville Cameron County
Rankin Upton County
Ransom Canyon Lubbock
Ratcliff Houston County
Ravenna Fannin County
Raymondville Willacy County
Raywood Liberty County
Reagan Falls County
Realitos Duval County
Recycle Wilson County
Red Oak Ellis
Red Rock Bastrop
Redford Presidio County
Redwater Bowie County
Reese Air Force Base
Refugio Refugio County
Reklaw Cherokee County
Reno Lamar County
Retreat Navarro County
Rhome Wise County
Rice Ellis County
Richards Grimes County
Richardson Dallas County
Richland Navarro County
Richland Hills Tarrant
Richland Springs San
Richmond Fort Bend
Richwood Brazoria County
Ridge Robertson County
Riesel McLennan County
Ringgold Montague County
Rio Bravo Webb
Rio Frio Real
Rio Grande City
Rio Hondo Cameron
Rio Medina Medina
Rio Vista Johnson
Rising Star Eastland
River Oaks Tarrant
Riverside Walker County
Riviera Kleberg County
Roanoke Denton County
Roans Prairie Grimes
Roaring Springs Motley
Robert Lee Coke
Robinson McLennan County
Robstown Nueces County
Roby Fisher County
Rochelle McCulloch County
Rochester Haskell County
Rock Island Colorado
Rockdale Milam County
Rockland Tyler County
Rockport Aransas County
Rocksprings Edwards County
Rockwall Rockwall County
Rockwood Coleman County
Rocky Mound Camp
Roganville Jasper County
Rogers Bell County
Rolling Meadows Gregg
Rollingwood Travis County
Roma Starr County
Roma Los Saenz
Roman Forest Montgomery
Romayor Liberty County
Roosevelt Kimble County
Ropesville Hockley County
Rosanky Bastrop County
Roscoe Nolan County
Rose City Orange
Rose Hill Acres
Rosebud Falls County
Rosenberg Fort Bend
Rosharon Brazoria County
Ross McLennan County
Rosser Kaufman County
Rosston Cooke County
Rotan Fisher County
Round Mountain Blanco
Round Rock Travis
Round Top Fayette
Rowena Runnels County
Rowlett Dallas County
Roxton Lamar County
Royalty Ward County
Royse City Rockwall
Rule Haskell County
Runaway Bay Wise
Runge Karnes County
Rusk Cherokee County
Rye Liberty County
Rylie Dallas County
Sabinal Uvalde County
Sabine Pass Jefferson
Sachse Collin County
Sacul Nacogdoches County
Sadler Grayson County
Sagerton Haskell County
Saginaw Tarrant County
Saint Hedwig Bexar
Saint Jo Montague
Saint Paul Collin
Salado Bell County
Salineno Starr County
Salt Flat Hudspeth
Saltillo Hopkins County
Sam Houston – San
Sam Rayburn Jasper
Samnorwood Collingsworth County
San Angelo Tom
San Antonio Bexar
San Augustine San
San Benito Cameron
San Diego Duval
San Elizario El
San Felipe Austin
San Isidro Starr
San Juan Hidalgo
San Leanna Travis
San Leon Galveston
San Marcos Caldwell
San Patricio San
San Perlita Willacy
San Saba San
San Ygnacio Zapata
Sanctuary Parker County
Sanderson Terrell County
Sandia Jim Wells
Sandy Blanco County
Sanford Hutchinson County
Sanger Denton County
Sansom Park Tarrant
Santa Anna Coleman
Santa Elena Starr
Santa Fe Galveston
Santa Maria Cameron
Santa Rosa Cameron
Santo Palo Pinto
Saragosa Reeves County
Saratoga Hardin County
Sargent Matagorda County
Sarita Kenedy County
Satin Falls County
Savoy Fannin County
Schertz Bexar County
Schulenburg Fayette County
Schwertner Williamson County
Scotland Archer County
Scottsville Harrison County
Scroggins Franklin County
Scurry Kaufman County
Seabrook Chambers County
Seadrift Calhoun County
Seagoville Dallas County
Seagraves Gaines County
Sealy Austin County
Sebastian Willacy County
Segno Polk County
Seguin Guadalupe County
Selma Bexar County
Selman City Rusk
Seminole Gaines County
Seth Ward Hale
Seven Oaks Polk
Seven Points Henderson
Seymour Baylor County
Shady Shores Denton
Shafter Presidio County
Shallowater Lubbock County
Shamrock Wheeler County
Shavano Park Bexar
Sheffield Pecos County
Shelbyville Shelby County
Sheldon Harris County
Shenandoah Montgomery County
Shepherd San Jacinto
Sheppard Air Force Base
Sheridan Colorado County
Sherman Grayson County
Shiner Lavaca County
Shiro Grimes County
Shoreacres Chamber County
Sidney Comanche County
Sierra Blanca Hudspeth
Silsbee Hardin County
Silver Coke County
Silverton Briscoe County
Simms Bowie County
Simonton Fort Bend
Sinton San Patricio
Sisterdale Kendall County
Skellytown Carson County
Skidmore Bee County
Slaton Lubbock County
Slidell Wise County
Slocum Anderson County
Smiley Gonzales County
Smithville Bastrop County
Smyer Hockley County
Snook Burleson County
Snyder Scurry County
Socorro El Paso
Somerset Bexar County
Somerville Burleson County
Sonora Sutton County
Sour Lake Hardin
South Bend Young
South Houston Harris
South Mountain Coryell
South Padre Island
South Plains Floyd
South San Padre Island
South Texarkana Bowie
Southlake Denton County
Southland Lubbock County
Southmayd Grayson County
Southside Place Harris
Spade Lamb County
Speaks Lavaca County
Spearman Hansford County
Spicewood Travis County
Splendora Montgomery County
Spofford Kinney County
Spring Harris County
Spring Branch Comal
Spring Valley Harris
Springlake Lamb County
Springtown Parker County
Spur Dickens County
Spurger Tyler County
Stafford Fort Bend
Stagecoach Montgomery County
Stamford Haskell County
Stanton Martin County
Staples Guadalupe County
Star Mills County
Star Harbor Henderson
Stephenville Erath County
Sterling City Sterling
Stinnett Hutchinson County
Stockdale Wilson County
Stonewall Gillespie County
Stowell Chambers County
Stratford Sherman County
Strawn Palo Pinto
Streetman Freestone County
Sublime Lavaca County
Sudan Lamb County
Sugar Land Fort
Sullivan City Hidalgo
Sulphur Bluff Hopkins
Sulphur Springs Hopkins
Summerfield Castro County
Sumner Lamar County
Sun City Williamson
Sun Valley Lamar
Sundown Hockley County
Sunnyvale Dallas County
Sunray More County
Sunrise Falls County
Sunrise Beach Village
Sunset Montague County
Sunset Valley Travis
Surfside Beach Brazoria
Sutherland Springs Wilson
Sweeny Brazoria County
Sweet Home Lavaca
Sweetwater Nolan County
Sylvester Fisher County
Taft San Patricio
Taft Southwest San
Tahoka Lynn County
Talco Franklin County
Talpa Coleman County
Tarpley Bandera County
Tarzan Martin County
Tatum Panola County
Taylor Williamson County
Taylor Lake Village
Teague Freestone County
Tehuacana Limestone County
Telegraph Edwards County
Telephone Fannin County
Telferner Victoria County
Tell Childress County
Temple Bell County
Tenaha Shelby County
Tennessee Colony Anderson
Tennyson Coke County
Terlingua Brewster County
Terrell Kaufman County
Terrell Hills Bexar
Texarkana Bowie County
Texas City Galveston
Texhoma Sherman County
Texline Dallam County
Texon Reagan County
The Colony Denton
The Woodlands Montgomery
Thicket Hardin County
Thomaston De Witt
Thompsons Fort Bend
Thorndale Milam County
Thornton Limestone County
Thorntonville Ward County
Thrall Williamson County
Three Rivers Live
Throckmorton Throckmorton County
Tiki Island Galveston
Tilden McMullen County
Timbercreek Canyon Randall
Timpson Shelby County
Tioga Grayson County
Tira Hopkins County
Tivoli Refugio County
Toco Lamar County
Todd Mission Grimes
Tokio Yoakum County
Tolar Hood County
Toledo Bend Lake
Tom Bean Grayson
Tomball Harris County
Tool Henderson County
Tornillo El Paso
Tow Llano County
Toyah Reeves County
Toyahvale Reeves County
Trent Taylor County
Trenton Fannin County
Trinidad Henderson County
Trinity Trinity County
Trophy Club Denton
Troup Cherokee County
Troy Bell County
Truscott Foard County
Tuleta Bee County
Tulia Swisher County
Turkey Hall County
Turnertown Rusk County
Tuscola Taylor County
Twitty Wheeler County
Tye Taylor County
Tyler Smith County
Tynan Bee County
Uhland Hays County
Umbarger Randall County
Uncertain Harrison County
Union Grove Upshur
Universal City Bexar
University Park Dallas
Utopia Uvalde County
Uvalde Uvalde County
Valentine Jeff Davis
Valera Coleman County
Valle de Oro
Valley Mills Bosque
Valley Spring Llano
Valley View Cooke
Van Van Zandt
Van Alstyne Grayson
Van Horn Culberson
Van Vleck Matagorda
Vancourt Tom Green
Vanderbilt Jackson County
Vanderpool Bandera County
Vealmoor Howard County
Vega Oldham County
Venus Ellis County
Verhalen Reeves County
Veribest Tom Green
Vernon Wilbarger County
Victoria Victoria County
Vidor Orange County
Vigo Park Swisher
Village Mills Hardin
Vinton El Paso
Voca McCulloch County
Von Ormy Bexar
Voss Coleman County
Votaw Hardin County
Voth Jefferson County
Waco McLennan County
Wadsworth Matagorda County
Waelder Gonzales County
Waka Ochiltree County
Wake Village Bowie
Walburg Williamson County
Wall Tom Green
Waller Harris County
Wallis Austin County
Wallisville Chambers County
Walnut Springs Bosque
Warda Fayette County
Waring Kendall County
Warren Tyler County
Warren City Gregg
Warrenton Fayette County
Washington Washington County
Waskom Harrison County
Watauga Tarrant County
Water Valley Tom
Waxahachie Ellis County
Wayside Armstrong County
Weatherford Parker County
Webster Harris County
Weesatche Goliad County
Weimar Colorado County
Weinert Haskell County
Weir Williamson County
Welch Dawson County
Wellborn Brazos County
Wellington Collingsworth County
Wellman Terry County
Wells Cherokee County
Weslaco Hidalgo County
West McLennan County
West Carlisle Lubbock
West Columbia Brazoria
West Lake Hills
West Orange Orange
West Point Fayette
West Tawakoni Hunt
West University Place
Westbrook Mitchell County
Westchase District Harris
Westhoff De Witt
Westlake – Tarrant County
Westminster Collin County
Weston Collin County
Westover Hills Tarrant
Westworth Tarrant County
Wetmore Bexar County
Wharton Wharton County
Wheeler Wheeler County
Wheelock Robertson County
White Deer Carson
White Oak Gregg
White Settlement Tarrant
Whiteface Cochran County
Whitehouse Smith County
Whitesboro Grayson County
Whitewright Fannin County
Whitharral Hockley County
Whitney Hill County
Whitsett Live Oak
Whitt Parker County
Whon Coleman County
Wichita Falls Archer
Wickett Ward County
Wiergate Newton County
Wildorado Oldham County
Wild Peach Village
Wilford Hall U S
Willis Montgomery County
Willow City Gillespie
Willow Park Parker
Wills Point Van
Wilmer Dallas County
Wilson Lynn County
Wimberley Hays County
Winchester Fayette County
Windcrest Bexar County
Windom Fannin County
Windthorst Archer County
Winfield Titus County
Wingate Runnels County
Wink Winkler County
Winnie Chambers County
Winnsboro Franklin County
Winona Smith County
Winters Runnels County
Wixon Valley Brazos
Woden Nacogdoches County
Wolfe City Hunt
Wolfforth Lubbock County
Woodbranch Montgomery County
Woodcreek Hays County
Woodlake Trinity County
Woodlands Harris County
Woodlawn Harrison County
Woodloch Montgomery County
Woodsboro Refugio County
Woodson Throckmorton County
Woodville Tyler County
Woodway McLennan County
Wortham Freestone County
Wrightsboro Gonzales County
Wylie Collin County
Yancey Medina County
Yantis Wood County
Yoakum De Witt
Yorktown De Witt
Zapata Zapata County
Zavalla Angelina County
Zephyr Brown County
