FHA loans in Houston:
no limits to qualify
The most dynamic mortgage market in Texas. From the Energy Corridor to Katy, we have advisors who know every Hispanic neighborhood. Loans up to $524K.
2026
metro area
in Houston
guaranteed
The city thatnever stops growing.
Houston is the epicenter of the Hispanic community in Texas. With over 45% Latino population, it is a market where Hispanic families are not a minority - they are the driving force. We understand your needs because we share your community.
Options foryour situation
There is no single path to homeownership. We have programs for the self-employed, ITIN, limited credit history and more.
FHA Standard
More in demandThe most affordable program on the market. Down payment from 3.5% and accept family gift as part of the down payment. We work with your credit profile.
- Down payment from 3.5%.
- Profile All types of history
- TX limit $524,225
- MIP 0.55% p.a.
FHA Without Taxes
E&E onlyFor people with formal employment who do not file traditional tax returns. We verify your employment directly with your employer - we only ask for your title and time worked.
- Verification Call to the employer
- Profile We work with you
- Ideal for Employees without formal declaration
- Down payment from 3.5%.
ITIN / TwoRiver
AccessibleDon't have a social security number? With ITIN you can buy a home. We accept alternative credit history - rent, utility, cell phone payments.
- Documents ITIN + alternative history
- Down payment from 3.5%.
- History 12 months of verified rent
- SSN Not required
Non-QM / Alternative Credit
For allFor freelancers, contractors and entrepreneurs who do not qualify through traditional channels. No traditional payroll (W-2), no tax returns - we use bank statements, P&L or investment property flow-through.
- Documents Account statements, P&L, 1099, DSCR
- Profile We evaluate your case
- DTI up to 55%.
- To 2.5M - 1-4 units
In the Hispanic heartland.
With theheartposition.
Houston, TX FHA - ITIN - Non-QM - VA
Houston is our community. We walk each client through the entire process - even if that means working on the profile together months before closing. There is no surrender.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything
Everything you needknow in Houston
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Yes, Houston has one of the largest Hispanic communities in the U.S. and we work with many clients who use ITINs. We evaluate your alternative payment history and find the program that best fits your situation.
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The median price in the Houston metropolitan area is approximately$340,000. With FHA and 3.5% down, you would need about $11,900 plus closing costs. We evaluate your situation to find the range that best fits your budget.
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Yes. We offer FHA, ITIN, Bank Statement for independent workers, and down payment assistance programs. We accompany you step by step throughout the entire process.
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We operate inthe entire Houston metropolitan area: Katy, Sugar Land, The Woodlands, Pearland, Cypress, Spring, Pasadena, Baytown, Humble and Missouri City. We have local advisors in your language.