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 Amarillo, TX
Entrust Home Lending is licensed to lend across Texas, including Amarillo and the Texas Panhandle — FHA financing for first-time buyers, bank statement loans for agricultural and self-employed income, and DSCR for investors.
Talk to a Amarillo Loan Officer
Amarillo sits at the center of the Texas Panhandle’s cattle and agriculture industry — one of the largest cattle-feeding regions in the country — and that economic base produces a distinct mix of borrowers: ranch owners and operators, agribusiness employees, and the trucking and logistics companies that move livestock and grain through the region. Income tied to agriculture often varies with the season and with commodity prices, which a conventional lender’s twelve-identical-pay- stubs model doesn’t always handle well.
Bank statement and non-QM programs qualify that income based on actual bank deposits and documented cash flow across a full year rather than a single representative month, which fits Panhandle agricultural income better than a standard salary-based file. First-time buyers in established neighborhoods like Wolflin or newer areas near Western Plaza more commonly use FHA financing, with its 3.5% down payment and flexible credit-score guidelines, often paired with TSAHC down payment assistance.
Amarillo’s role as a regional hub for the surrounding Panhandle — the place smaller nearby towns come to for services, healthcare, and retail — has also supported a steady rental market, which makes DSCR financing a practical tool for local investors. Qualification runs off the property’s own rental income rather than the investor’s personal income, useful for anyone whose primary income is itself agricultural or seasonal and harder to document under conventional rules.
Much of the Panhandle outside Amarillo’s core, including many of the smaller communities that ring Bushland and the surrounding county, falls within USDA-eligible rural areas. USDA financing offers a zero-down- payment path for qualifying buyers in those areas, and it’s worth checking against FHA before assuming a low-down-payment purchase in the Panhandle has to include a down payment at all. For buyers looking to purchase acreage or ranch land outside city limits rather than a standard residential lot, land loans are a separate program built specifically for that kind of purchase.
Communities We Serve Near Amarillo
Wolflin, Downtown Amarillo, Western Plaza, Tradewind Airport Area, Bushland, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Amarillo 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.
Amarillo FAQs
Does Entrust Home Lending finance homes in Amarillo?
Yes — Entrust Home Lending's Texas license covers Amarillo, which spans Potter and Randall Counties, originating FHA, conventional, non-QM, and DSCR loans.
What financing fits Amarillo's agricultural and ranching economy?
Income from cattle operations, farming, and the agribusiness that supports them often varies by season; bank statement and non-QM programs qualify that income based on actual cash flow rather than a single steady pay stub.
Financing a Home in Amarillo?
Talk to a local loan officer who already knows the market.
