Realtor Alert: Don’t Let Another Lender Kill Your Self-Employed or W-2 Deal.

We bypass tax returns for business owners and extensive income documentation for W-2 workers. 

Tired of Rigid Loan Underwriters Killing
Your Hard-Earned Commissions?

You do the heavy lifting. You farm the leads, show the homes, and write the contracts—only for a traditional bank to pull the plug at the eleventh hour because your buyer doesn’t fit into a neat little corporate box.

Whether it’s a successful entrepreneur with heavy tax write-offs or a stable W-2 worker with missing paperwork, a rigid underwriting system shouldn’t cost you a paycheck.

At Texas Trust Mortgage, we don’t run away from complex files. We solve them. We specialize in financing the buyers other lenders reject.

Two Niche Programs Built
To Save Your Pipeline

If you have clients sitting in your database who were told “no” by another lender, these two streamlined programs might be the exact key to unlocking their pre-approval.

Program 1: The Self-Employed Lifeline (96.5% LTV)

Perfect for business owners, contractors, independent truckers, and entrepreneurs.

  • Bypass the Tax Returns: We qualify buyers using self-prepared P&L statements and balance sheets—not IRS transcripts. Heavy tax write-offs won’t kill the deal.

  • Low Capital Requirement: Only 3.5% down required.

  • Business Funds Welcome: Buyers can use their corporate accounts for the down payment and closing costs.

  • Credit & Entity Flexibility: Minimum 640 FICO. Requires just 25% minimum business ownership active since at least Jan 1, 2023. Note: Doublewide manufactured homes are allowed!

Program 2: The FHA Plus Fexible Income Documentation

Perfect for standard employees with missing documentation or complex tax situations.

  • Zero Paperwork Hassle: No W-2s, no paystubs, and no tax transcripts required.

  • Streamlined Verification: We verify stability and income via a standalone Written Verification of Employment (WVOE) directly with the employer.

  • Low Credit, Low Down Payment: Minimum 620 FICO with just 3.5% down.

  • 100% Gift Funds Allowed: Buyers can use gift funds from family to cover 100% of the down payment and closing costs.

We Don’t Just Offer Better Loans.
We Help You Convert More Leads.

Introducing Our Signature “WOW” Buyer Consultation

Non-traditional buyers are often stressed, confused, and hesitant to jump into the market. When you refer a client to Texas Trust Mortgage, we don’t just send them automated emails or put them in a digital black hole.

We invite them to a live, face-to-face Google Meet Buyer Consultation.

How it helps you close more deals:

  • Clarity & Confidence: We walk them step-by-step through their financing options in plain English, removing the fear of the mortgage process.

  • A Clear Road Map: Even if they aren’t ready today, we give them an exact blueprint of what needs to happen to get them keys in hand.

  • Higher Conversion: By building authentic rapport face-to-face, we turn anxious shoppers into motivated, pre-approved buyers who are ready to write offers with you.

Call or Text Us
TODAY!!

(830) 445-7143

Stephen Roberts

Branch Manager

Mike González

Broker