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 Austin, TX
Entrust Home Lending is licensed to lend across Texas, including Austin and Travis County — jumbo and non-QM financing for tech-sector income, FHA for first-time buyers, and DSCR for investors.
Talk to a Austin Loan Officer
Austin’s tech-sector growth has reshaped its housing market more than any other Texas metro — home prices near Downtown and South Congress have pushed well past what conventional financing alone comfortably covers, which is why jumbo loans come up in Austin conversations far more often than in most of the state. Buyers relocating for a tech job often bring compensation packages heavy on equity, bonuses, and stock grants that a standard conventional file can undersell.
Non-QM and bank statement underwriting exist for exactly that situation — qualifying income off actual documented cash flow and compensation rather than forcing RSUs and bonus structures into a conventional box built around a flat salary. For buyers in neighborhoods like Mueller or Cedar Park with more straightforward income, FHA financing and its 3.5% down payment option remain a common entry point, sometimes paired with TSAHC down payment assistance.
Austin’s rental market, driven by the same population growth pushing home prices up, has also made it a significant market for real estate investors. DSCR financing qualifies a purchase off the property’s own rental income rather than the investor’s personal income, which matters in a market where investors are frequently competing directly with owner-occupant buyers for the same inventory near Zilker and other central neighborhoods.
Austin’s growth has also drawn a large number of self-employed founders, consultants, and contractors alongside its salaried tech workforce — a population where tax returns often understate real income after legitimate business deductions. Bank statement loans qualify that income off actual deposits instead, so the write-offs that lower a founder’s tax bill don’t also cap what they can borrow, and non-QM underwriting more broadly covers the range of income types Austin’s economy produces. For buyers relocating from outside Texas or the country with a limited U.S. credit history, non-QM and foreign national programs offer a path that a purely conventional lender typically can’t.
Communities We Serve Near Austin
Downtown, South Congress, Mueller, Zilker, Cedar Park, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Austin 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.
Austin FAQs
Does Entrust Home Lending finance homes in Austin?
Yes — Entrust Home Lending is licensed as a mortgage company across Texas, including Austin and Travis County, originating FHA, conventional, jumbo, non-QM, and DSCR loans.
Why does Austin need jumbo financing more than other Texas cities?
Austin's home prices, driven up by tech-sector growth, regularly push purchases above the conventional loan limit — jumbo financing covers those larger loan amounts without the stricter overlays some lenders add.
Can equity compensation from a tech job count toward my income?
Standard conventional underwriting can struggle with RSUs, bonuses, and stock compensation; non-QM and bank statement programs can qualify income based on actual documented cash flow instead.
Financing a Home in Austin?
Talk to a local loan officer who already knows the market.
