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.

Onboarding | The Trusty Lender

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Calculators — Descubre cuánto puedes comprar en bienes raíces en EE.UU. en minutos. Obtén una carta de precalificación sin impacto en tu crédito y sin necesidad de iniciar se
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Program First Time — Program First Time on The Trusty Lender. Descubre cuánto puedes comprar en bienes raíces en EE.
Program Self Employed — Program Self Employed on The Trusty Lender. Descubre cuánto puedes comprar en bienes raíces en EE.
Program ITIN — Program ITIN on The Trusty Lender. Descubre cuánto puedes comprar en bienes raíces en EE.
Program Investor — Program Investor on The Trusty Lender. Descubre cuánto puedes comprar en bienes raíces en EE.
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Program FHA — Program FHA on The Trusty Lender. The Trusty Lender manages 3 data types including mortgage rates.
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