Bank Statement Loans
Qualify using personal or business bank statements instead of tax returns — built for self-employed borrowers whose tax returns don't reflect their real cash flow.
Read MoreMortgage Lender in Abilene, TX
Entrust Home Lending is licensed to lend across Texas, including Abilene — FHA financing for military families and students, bank statement loans for self-employed income, and DSCR for investors.
Talk to a Abilene Loan Officer
Abilene runs on a mix that’s unusual for a city its size: Dyess Air Force Base supports a steady active-duty and veteran population, while three universities — Abilene Christian, Hardin-Simmons, and McMurry — anchor a significant student and faculty housing market. Both groups tend to favor the same financing path: FHA loans, with their 3.5% down payment and flexible credit-score guidelines, are a common fit for military families on a relocation timeline and for younger buyers or faculty with a shorter credit history.
TSAHC down payment assistance is available to qualifying buyers here and frequently gets paired with that FHA financing to reduce cash needed at closing. For self-employed borrowers and small business owners in Downtown Abilene or Southwest Abilene whose income doesn’t reduce cleanly to a W-2, bank statement and non-QM programs qualify based on actual bank deposits instead.
Abilene’s university and military presence has also supported a consistent rental market near campus and around the base, which makes DSCR financing a practical option for investors — qualification runs off the property’s own rental income rather than the investor’s personal income, without the financed-property limits that apply to conventional loans. Because Entrust underwrites files in-house, a military family on a tight PCS timeline or a first-time student-adjacent buyer can typically get a straight answer on where their file stands well before closing day.
Abilene’s Hispanic and Latino population has grown steadily along with the rest of West Texas, and a bilingual loan team is a genuine advantage for a meaningful share of local buyers. Every loan officer at Entrust Home Lending speaks Spanish and English, so an Abilene borrower can handle pre-qualification, documentation, and closing in whichever language they’re most comfortable with — whether they’re buying their first home near base or investing in a rental property near campus.
Communities We Serve Near Abilene
Downtown Abilene, Wylie, Elmwood, Southwest Abilene, Impact, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Abilene Buyers and Investors
A sample of what we originate — see the full list of loan programs for everything we offer.
Conventional Loans
Financing not backed by a government agency — usually means fewer overlays, more flexible property types, and no upfront mortgage insurance premium for buyers with stronger credit.
Read MoreDown Payment Assistance
Grant and bond programs that can cover part or all of your down payment and closing costs, often paired with FHA or conventional financing.
Read MoreDSCR Loans
Qualify investment property financing off the property's rental income, not your personal income — no tax returns or employment verification required.
Read MoreFHA Loans
Government-backed financing built for buyers with limited down payment savings or a credit history that doesn't fit a conventional box — including flexible credit-score guidelines and 100% financing programs.
Read MoreITIN Loans
Home financing for borrowers who file taxes with an ITIN rather than a Social Security number.
Read MoreAward-Recognized Loan Officers
NAHREP Top 250
Latino Mortgage Originators
TSAHC Top Performing
Loan Officer
Scotsman Guide
Top FHA Originator
NAHREP Loan Officer
of the Year
How It Works
What Working With Us Looks Like
01
Plan
See what your dream home could look like. Run the numbers yourself with our calculators — no commitment, no credit pull, just a starting point.
Try the Calculators →02
Contact
You've got a rough idea what you can afford — now it's time to connect with a loan officer who can guide you through the next steps.
Meet Our Team →03
Review
A loan officer reviews your file personally and tells you what you qualify for, and what to fix if you don't yet.
04
Process & Underwrite
We handle documentation, appraisal, and underwriting in-house and keep you updated at every step.
05
Close
Clear to close, sign, and get your keys — with milestone updates the whole way.
Abilene FAQs
Does Entrust Home Lending finance homes in Abilene?
Yes — Entrust Home Lending's Texas license covers Abilene and all of Taylor County, originating FHA, conventional, non-QM, and DSCR loans.
What financing fits Abilene's military and university population?
FHA financing's low down payment and flexible credit guidelines work well for both Dyess Air Force Base personnel and the students, faculty, and staff tied to Abilene's three universities.
Financing a Home in Abilene?
Talk to a local loan officer who already knows the market.
