FHA loans in Dallas:
your next home in Texas
Growing market, strong employment opportunities and vibrant Hispanic communities. In Dallas-Fort Worth we find the right home for every family. Loans up to $524K.
2026
metro area
in DFW
guaranteed
Where growthis real.
Dallas-Fort Worth is one of the fastest growing housing markets in the country. Companies are arriving every day, employment is strong and the Hispanic communities of Irving, Garland and Grand Prairie are thriving.
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
Dallas does not wait.
Your advisorneither is ..
DFW - Plano - Irving FHA - Conventional - VA - ITIN
In one of the most competitive markets in the country, your team matters. We seek solutions for every case, exhaust every resource, and accompany you to closure - no exceptions.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything
Everything you needknow in Dallas
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Yes, we evaluate each case individually. If your credit history is limited, we help you create a plan to strengthen it. We also have programs that consider alternative payments such as rent and utilities.
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With FHA the down payment is from3.5%. We evaluate your situation and help you explore down payment assistance options that may be available in the DFW area.
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We operate inthe entire DFW areaDallas, Fort Worth, Arlington, Plano, Irving, Garland, Grand Prairie, Frisco and McKinney. We know every local market.
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Yes. FHA is the most popular program for first-time buyers in Dallas. We also offer ITIN and Bank Statement options. We guide you from prequalification to closing.