Mortgage Loan Programs

First-time buyers, buyers with credit scores in the 580–659 range, borrowers with limited savings for down payment, and buyers using Texas DPA programs like TSAHC or TDHCA that layer on top of FHA.

Eligible veterans, active-duty service members, National Guard/Reserve members with qualifying service, and surviving spouses. VA loans are ideal for primary residence purchases and certain refinances.

Move-up buyers with equity from a prior sale, buyers with credit scores above 700, tech-sector buyers in Austin or growing San Antonio neighborhoods, and investors purchasing rental properties.

Active real estate investors with 2+ properties, self-employed investors whose tax returns show large depreciation losses, STR (Airbnb/VRBO) operators in Austin and San Antonio, and buy-and-hold investors building long-term rental portfolios.

Self-employed borrowers, small business owners, contractors, restaurant operators, truckers, real estate investors with complex returns, and any borrower whose tax returns dramatically understate their actual income due to legitimate business deductions.

High-income buyers in Austin's tech corridor, San Antonio's luxury market, and established suburban communities where homes regularly exceed conforming loan limits. Also works for self-employed executives needing bank statement jumbo options.

ITIN holders without a Social Security Number, foreign national buyers purchasing in Texas, borrowers with recent credit events (bankruptcy, foreclosure, short sale), asset depletion candidates (retirees with substantial assets but low income), and self-employed borrowers who do not fit FHA or conventional.