Told "no"? We specialize in "yes"

A loan program for every type of homebuyer

If banks or other lenders have turned you down for being self-employed, having unique income, or past credit bumps—we have solutions. 5 exclusive mortgage programs designed for real people with real lives.

See if you qualify. Simply text us at (830) 445-7143, to book your FREE 15-minute phone consultation.

Call or Text TODAY!
5 Niche Loans

Traditional mortgages don't fit everyone
(and that's okay!)

You’re responsible. You make good money. You’re ready to own a home. But your financial story doesn’t fit a bank’s perfect checkbox mold. Maybe you’re:

  • Self-employed and write off everything (so your taxes show little income)

  • Paid in cash or tips without traditional paystubs

  • Living off investments or retirement funds

  • A new business owner with strong cash flow but short history

  • Rebuilding after past credit challenges

5 Niche loan programs that understand
your real finances

Program 1: For the self-employed "tax savvy" professional​

“I earn great money, but my tax returns don’t show it”

  • Use your Profit & Loss statement instead of tax returns

  • 2 years in business

  • Perfect for: Contractors, freelancers, consultants, small business owners

Program 2: For Cash & Tip Earners

“My income is real, but my paystubs don’t tell the full story”

  • FHA loan option with no traditional paystubs required

  • Income verification through work history and employer letters

  • Perfect for: Restaurant staff, gig workers, creatives, service professionals

Program 3: For Asset-Rich Buyers

“My wealth is in investments, not a paycheck”

  • Qualify using liquid assets instead of W-2 income

  • No employment verification needed

  • Perfect for: Retirees, investors, inheritors, career changers

Program 4: For New Business Owners

“My business is growing fast, but I’m new to this”

  • Just 3.5% down payment

  • Only 3 months of bank statements needed

  • Perfect for: Entrepreneurs, recent business starters, side-hustle turned career

Program 5: For Credit Rebuilders

“My credit isn’t perfect, but I pay my bills on time”

  • Credit scores as low as 500 considered

  • Manual underwriting looks at your complete story

  • Perfect for: Veterans, medical debt survivors, life-event recoveries

Book Your Free Mortgage Consultation Call

Your Texas Trust Team

Call or Text:
(830) 445-7143

Stephen Roberts

Branch Manager

Mike González

Broker

FAQ's for buyers

YOUR QUESTIONS, ANSWERED HONESTLY

Q: Are these programs more expensive?
A: Interest rates are competitive—often similar to traditional loans. Some programs have slightly different fee structures, which we’ll explain upfront.

Q: How fast can I get pre-approved?
A: Many of our clients get pre-approved within 24-48 hours once we have your documents.

Q: What credit score do I need?
A: It varies by program. Some go down to 500, others focus on assets or income instead of credit. Tell us your situation and we’ll be honest about options.

Q: Do you work with first-time homebuyers?
A: Absolutely! Many of our clients are first-time buyers who didn’t fit the traditional mold.

Q: Can I talk to someone without commitment?
A: Yes. Text or call (830) 445-7143. No pressure, just information.

Get Your Personalized Roadmap Section

In a 15-minute consultation, you’ll discover:

  1. Exactly which program(s) you qualify for

  2. Your estimated price range and monthly payment

  3. The documents you’ll actually need (not the generic list)

  4. A clear timeline to closing