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.

Licensed in Texas · NMLS #2579601

Texas Mortgage Broker

The Trusty Lender is a licensed mortgage broker serving all of Texas — from Houston to Dallas, San Antonio to El Paso. FHA, conventional, VA, USDA, ITIN, and investor loans for every buyer profile.

Why choose The Trusty Lender in Texas?

Licensed in Texas — Liuver Duran NMLS #2579601
Bilingual English & Spanish service
FHA, conventional, VA, USDA, ITIN, and Non-QM programs
Self-employed? Qualify with bank statements
ITIN loans — no SSN required
Investor DSCR loans — qualify on rental income
Down payment assistance programs available
Response within a few hours

Loan programs available in Texas

FHA

3.5% down · FICO 580+

Conventional

3% down · no upfront MIP

0% down · no PMI · veterans

USDA

0% down · rural & suburban

First-Time Buyer

DPA · low down payment

ITIN Loans

No SSN required

Self-Employed

Bank statement · 1099

DSCR Investor

Qualify on rental income

Jumbo / Non-QM

High-value · flexible docs

What Texas 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 in 45 days!"

Maria G.

Houston, TX

"Best VA loan experience I could ask for. Closed with $0 down on a beautiful home in San Antonio. Liuver knows his stuff."

Sgt. Marcus W.

San Antonio, TX

"Self-employed for 5 years — bank statement program was perfect. Nobody else could approve me. The Trusty Lender delivered."

Roberto V.

Dallas, TX

Local market resources

All loan programs available statewide — every city in Texas.

Houston

Greater Houston metro · 7M+ residents

Dallas–Fort Worth

Texas's largest metroplex · 7.7M residents

San Antonio

Alamo City · fast-growing metro area

El Paso

West Texas · bilingual border community

Your next step

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

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