FHA loans in El Paso:
two cultures, one home
On the border where Texas and Juarez meet, we understand the unique needs of Fort Bliss bilingual and military families. Loans up to $524K.
2026
metro area
in El Paso
veterans
The border thatopens doors.
El Paso is 83% Hispanic. Here you don't need to explain that you speak Spanish at home - it's the norm. We serve military families from Fort Bliss, health care professionals from the UMCs, and maquiladora workers who cross the border every day.
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
Two worlds.
Asolution.
El Paso - Fort Bliss - Juarez FHA - VA - ITIN - Non-QM
We understand border realities better than anyone. ITIN, alternative history, complex situations - there is no case in which we do not seek a way out until the last resort is exhausted.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything
Everything you needknow in El Paso
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Yes, El Paso has a large Hispanic community and we work with many clients who use ITIN or passport. We evaluate your situation individually to find the best option.
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El Paso is one of the most affordable markets in Texas. The median price is approximately$260,000. With FHA and 3.5% down, you would need about $9,100 plus closing costs.
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Yes, El Paso has a large military community due to its proximity to Fort Bliss. We offer VA loans withzero hitchand without monthly mortgage insurance (PMI). We also counsel military families in transition.
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We operate inall of El Pasoand the metropolitan area, including Horizon City, Socorro, Clint and San Elizario. We have advisors who know the local market.