FHA loans in Texas:
all profiles qualify
The largest Hispanic population in the U.S. deserves a mortgage broker who speaks their language. In Houston, Dallas and El Paso we have local advisors ready to help you. Loans up to $524K.
2026
veterans
independent, without traditional payroll
attended
Where the entrepreneurrate ..
Texas has one of the largest Hispanic populations in the U.S. And a special feature: many buyers are self-employed, without traditional payroll (W-2). We have State of Account, DSCR for investment and VA programs exclusively for Hispanic veterans.
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
What we get asked the mostin Texas
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The 2026 FHA limit in most counties in Texas is$524,225for 1 unit. In high cost areas such as Austin it may be higher. This limit covers the vast majority of properties in Houston, Dallas and El Paso at current median prices.
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Yes, the programStatement of Account(12-24 months of statements) is designed exactly for contractors, restaurateurs and entrepreneurs. You qualify with what comes into your bank - no traditional payroll (W-2), no 1040. It is one of the most sought after programs in Texas.
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No. We work withITINvalid passport and alternative payment history - rent, utilities, cell phone. No documentation is a definitive obstacle; we always look for the right path for your situation.
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At E&E we don't turn anyone away at the outset because of their profile. If your background needs strengthening, we'll walk you through the process - sometimes that means working together a few months before closing. The goal is always to find a path, not close a door.
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We operate throughout the state. Our main markets areHouston, Dallas, San Antonio, Austin, El Paso, Fort Worth, McAllen and Laredo. There is always a consultant who knows your local market.
Texas is huge.
Your solution isstaff.
Houston - Dallas - El Paso FHA - VA - ITIN - Non-QM
From Houston to El Paso, a dedicated advisor who doesn't rest until finding your program. No SSN required, no excuses, never giving up.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything