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.

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. Liuver works with borrowers across the entire metro area, including profiles that may not fit a traditional bank: ITIN holders, self-employed business owners, 1099 contractors, and first-time buyers exploring down payment assistance.

Bilingual process — complete your mortgage in English or Spanish
ITIN mortgage programs for borrowers without a Social Security Number
Bank statement and Non-QM programs for self-employed borrowers

Available 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

City, Harris County, and statewide programs

Frequently asked questions

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.

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