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.

Can I buy a house in Houston with an ITIN?

Eligible borrowers may be able to purchase a home in Houston using an ITIN instead of a Social Security Number through mortgage programs that accept ITIN borrowers. Liuver works with lending partners that offer ITIN loan options — contact him to explore which program fits your situation.

Do you offer mortgage services in Spanish?

Yes. Liuver Duran is bilingual and can guide you through the entire mortgage process in Spanish — from initial conversation to closing. You can communicate in the language you are most comfortable with.

Can self-employed borrowers get a mortgage in Houston?

Yes. Self-employed borrowers may qualify through bank statement programs or other Non-QM options that use bank deposits instead of W-2s or tax returns. Liuver works with self-employed business owners, 1099 contractors, and freelancers across the Houston area.

What areas around Houston do you serve?

Liuver serves borrowers throughout Greater Houston, including Houston proper, Cypress, Katy, Sugar Land, Pearland, Spring, The Woodlands, and surrounding communities. He is licensed in Texas and can work with borrowers anywhere in the state.

Are you a lender or a broker?

Sociable Mortgage LLC is a licensed mortgage broker, not a lender. That means Liuver arranges loans with third-party lending partners rather than funding loans directly. This gives borrowers access to multiple loan programs through one point of contact.

Houston, TX — Greater Houston

Mortgage Loan Officer Serving Houston, Texas

Liuver Duran, NMLS #2579601, is a bilingual Mortgage Loan Originator with The Trusty Lender who helps Houston-area borrowers explore home financing — from first-time buyers and ITIN holders to self-employed professionals and investors. Loans arranged through Sociable Mortgage LLC, NMLS #2498240.

Meet your loan originator

Originator

Liuver Duran

Mortgage Loan Originator

NMLS #2579601

Company

Sociable Mortgage LLC

NMLS #2498240

Mortgage broker

Languages

English & Spanish

Full process in Spanish

Mortgage services for the Houston metro area

Houston is one of the most diverse housing markets in the country — from inner-loop neighborhoods like The Heights and Montrose to suburban communities in Cypress, Katy, Sugar Land, and Pearland. Borrowers here span a wide range of backgrounds, income types, and documentation situations.

Liuver works with borrowers across the entire Houston metro area, including those who may not fit a traditional bank profile: ITIN holders, self-employed business owners, 1099 contractors, foreign nationals, and first-time buyers who need down payment assistance.

Serving Houston, Cypress, Katy, Sugar Land, Pearland, Spring, The Woodlands, and surrounding communities
Bilingual process — complete your mortgage in English or Spanish
Access to multiple lending partners through Sociable Mortgage LLC, a licensed mortgage broker
ITIN mortgage programs for borrowers without a Social Security Number
Bank statement and Non-QM programs for self-employed borrowers
Down payment assistance programs for qualifying first-time buyers

Available Programs

FHA Loans

Low down payment option

First-Time Buyer

DPA & low down payment

Conventional

Standard financing

VA Loans

For veterans & military

ITIN Loans

No SSN required

Self-Employed

Bank Statement · 1099

DSCR Investor

Qualify on rental income

USDA Loans

Eligible suburban areas

Down Payment Assistance

Grants & DPA programs

Guides for Houston

First-Time Buyer in Houston

DPA grants, FHA 3.5%, MCC tax credit

Self-Employed in Houston

Bank statement & 1099 loans — no W-2

Down Payment Assistance in Houston

Grants up to 5% — City, Harris County, Texas Hero

Frequently asked questions

What our clients say

"Liuver helped me get my first home with an ITIN loan. I had no SSN and thought it was impossible — he made it happen!"

Maria G.

Houston Heights, TX

"Best mortgage experience I have ever had. Bilingual, patient, and got us a great rate on a conventional loan. Highly recommend."

Carlos R.

Katy, TX

"As a self-employed nurse practitioner, no one would approve me. The Trusty Lender qualified me with bank statements. Closed in 30 days!"

Jennifer M.

Sugar Land, TX

Liuver Duran — NMLS #2579601. Mortgage Loan Originator at Sociable Mortgage LLC — NMLS #2498240. Sociable Mortgage LLC is a licensed mortgage broker, not a lender. Not a commitment to lend. Equal Housing Opportunity.

Your next step

Let’s move forward, one step at a time.

Start my pre-qualification Talk through my options