Loan Solutions
Find the right loan for your situation. Every borrower type has a path, from self-employed and investors to profession-specific and complex-scenario borrowers.
Core Programs
Find the right loan for your situation
Qualify using 12 to 24 months of bank statements instead of tax returns. Built for self-employed borrowers with write-offs.
Learn More →Investor loans that qualify on rental income, not your personal income. No tax returns or employment verification.
Learn More →Compare 24-month, 12-month, 1099-only, P&L-only, and asset-utilization programs to find the self-employed option that fits your income.
Read the Guide →The seven factors every Houston investor should evaluate before choosing a DSCR loan, from minimum ratio to prepayment structure.
Read the Guide →Financing for rental and investment properties, from single units to larger portfolios across Houston.
Learn More →Home financing for non-US citizens and residents without a US credit history or Social Security number.
Learn More →Turned away by another lender? Non-QM and second-chance programs help borrowers other banks say no to.
See Your Options →Specialty Programs
From profession-specific loans to complex scenarios, there is a program that fits your situation.
Common Questions
Quick answers on Houston loan programs
It depends on your income documentation and your goals. If you have W-2 income, conventional, FHA, or VA usually fits. Self-employed with write-offs? Bank statement loans work best. Building a rental portfolio? DSCR loans qualify on the property's cash flow, not your personal income. No US credit history? Foreign national programs are built for that. A 10-minute call usually tells us which path fits your situation.
Non-QM means non-qualified mortgage. It is not subprime lending. It simply uses flexible documentation, bank statements, assets, or rental income, instead of tax returns to verify you can repay the loan. Non-QM programs open the door for self-employed borrowers, investors, and anyone whose income does not fit a traditional W-2 box.
It depends on the program. FHA loans can start as low as 3.5% down. VA loans can go to 0% down for eligible veterans. Conventional loans typically start around 3-5%. Bank statement loans typically require 10% or more. DSCR and foreign national loans typically require 20-30% or more. Your exact number depends on credit, property type, and program guidelines.
It is program-dependent. FHA loans tend to be more forgiving on credit. Many non-QM programs, including bank statement and DSCR loans, often start around 620. A denial from one lender or program does not mean you are denied everywhere. Different programs weigh credit differently.
Typical timelines: conventional and FHA loans usually close in about 30 days, bank statement loans typically run 30-40 days, and foreign national loans typically take about 45 days. Pre-approval itself is usually same-day to within 24 hours, so you know where you stand fast.
Yes. Files can be handled entirely in Vietnamese, from your first call through closing. Có, tôi nói tiếng Việt.
Tell me about your situation and I will find the right loan for you, usually with a same-day pre-approval. No tax returns needed for most non-QM programs.