How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

Fast, Transparent Mortgage Loans

Liuver Duran - Bilingual Loan Officer Serving Texas & Florida

Why Choose Liuver Duran?

Bilingual loan officer (Spanish & English) with 5+ years experience

Pre-qualification in under 10 minutes with no credit impact

Specialist in complex cases: ITIN, self-employed, investment

Transparent communication with response in under 24 hours

Licensed in Texas and Florida

Modern technology for 100% digital process

Mortgage Services

Conventional Loans

For borrowers with good credit. Down payment from 3%.

FHA Loans

Ideal for first-time buyers. Credit from 580.

VA Loans

For veterans and military. 0% down payment.

USDA Loans

Rural areas. 100% financing.

ITIN Loans

For buyers with ITIN instead of SSN.

Bank Statement Loans

For self-employed. Qualify with bank statements.

DSCR / Investment

For investors. Based on property cash flow.

Non-QM

For unique financial situations.

Cities We Serve

Texas

Houston

Dallas

Austin

San Antonio

Fort Worth

El Paso

Arlington

Corpus Christi

Florida

Miami

Orlando

Tampa

Jacksonville

Fort Lauderdale

St. Petersburg

Hialeah

Tallahassee

Frequently Asked Questions

How long does pre-qualification take?

Under 10 minutes. 100% digital with no credit impact.

Can I qualify with ITIN instead of SSN?

Yes. We offer specialized ITIN programs with competitive rates.

Do you work with self-employed or 1099 workers?

Yes. We use bank statements or net income from taxes.

What's the minimum credit score?

From 580 for FHA, 620 for conventional. ITIN from 600.

What documents do I need?

ID, 30 days paystubs, 2 months bank statements, 2 years taxes.

How long does closing take?

21-30 days average from accepted contract.

Contact

Liuver Duran - NMLS #2579601

Sociable Mortgage LLC - NMLS #2498240

Phone: (832) 869-5327

Email: liuver@thetrustylender.com

Licensed in: TX, FL

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