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.

Disclosures & Legal Notices

The Trusty Lender — Personal brand of Liuver Duran, Mortgage Loan Originator

Entity & Licensing Information

Liuver Duran – NMLS #2579601 | Mortgage Loan Originator
Sociable Mortgage LLC – NMLS #2498240 | Licensed Mortgage Broker
Licensed in: TX, FL (MBR6524), OK (MB016008), CA (60DBO-186180)
www.nmlsconsumeraccess.org
View Liuver Duran's professional profile at Sociable Mortgage LLC

Broker Disclosure

Sociable Mortgage LLC is a licensed mortgage broker and not a lender. We arrange loans with third-party lenders and do not make loan commitments or fund loans. Loan terms, rates, fees, and programs are subject to change without notice and may not be available in all states or for all loan amounts. All loans are subject to credit approval. This is not a commitment to lend.

Texas Consumer Complaint Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Rates & Payment Disclaimer

Rates displayed on this website are for illustrative and educational purposes only. Actual interest rates, APR, monthly payments, and loan terms depend on individual creditworthiness, loan amount, down payment, property type, occupancy, and market conditions at time of application. Rates are subject to change without notice. Not all programs are available in all states or for all loan amounts. This is not a commitment to lend.

Copyright © 2026 The Trusty Lender. All Rights Reserved. Equal Housing Opportunity. Liuver Duran NMLS #2579601 | Sociable Mortgage LLC NMLS #2498240. Licensed in TX, FL (MBR6524), OK (MB016008), CA (60DBO-186180).