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 Dallas, TX
Entrust Home Lending is licensed to lend across Texas, including Dallas and the surrounding Metroplex — FHA and conventional financing for buyers, bank statement and non-QM for self-employed and executive income, and DSCR for investors.
Talk to a Dallas Loan Officer
Dallas is one of the largest corporate relocation markets in the country — a steady stream of buyers moving in for a new job at a Fortune 500 headquarters, a financial services firm, or a tech employer expanding into North Texas. That relocation pattern shapes what a typical file looks like: strong income, but not always a simple W-2. Signing bonuses, relocation packages, and equity compensation are common enough that standard conventional underwriting sometimes undersells what a buyer can actually afford.
That’s where bank statement and non-QM underwriting earn their keep — qualifying income off actual cash flow and documented compensation rather than forcing a complex pay structure into a conventional box. For first-time buyers in neighborhoods like Oak Lawn or Lake Highlands, FHA financing with its 3.5% down payment and flexible credit guidelines remains the most common path in, often paired with TSAHC down payment assistance for buyers who qualify.
Dallas County property values vary sharply by neighborhood — a Preston Hollow purchase and an Oak Lawn condo can require very different financing strategies — and higher-value purchases above the conventional loan limit are common enough here that jumbo financing comes up regularly. For real estate investors, Dallas’s strong rental demand across the Metroplex makes DSCR financing a standard tool: qualification runs off the property’s own rental income rather than the investor’s personal income, with no cap on how many financed properties an investor can hold.
Dallas is also home to a large and growing Hispanic and Latino population, and a genuinely bilingual loan team matters for a meaningful share of buyers here. Every loan officer at Entrust Home Lending speaks Spanish and English, so the pre-qualification conversation, document collection, and closing can all happen in whichever language a Dallas-area borrower is most comfortable in — not a translated form handed off to an English-only processor. For buyers who don’t fit a conventional file for other reasons — a recent move to the U.S., a thin credit file, or income that comes from a small business rather than a paycheck — ITIN and non-QM programs exist for exactly that situation.
Communities We Serve Near Dallas
Uptown, Downtown, Oak Lawn, Preston Hollow, Lake Highlands, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Dallas 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.
Dallas FAQs
Does Entrust Home Lending finance homes in Dallas?
Yes — Entrust Home Lending is licensed as a mortgage company across the entire state of Texas, not just the Houston area, and originates FHA, conventional, non-QM, and DSCR loans for buyers and investors in Dallas.
What loan programs fit Dallas's corporate relocation market?
Bank statement and non-QM loans are common for executives and business owners relocating to Dallas with bonus-heavy or equity compensation that doesn't reduce cleanly to a W-2, and jumbo financing covers purchases above the conventional loan limit.
Is down payment assistance available in Dallas?
Texas State Affordable Housing Corporation (TSAHC) programs are available statewide, including Dallas County, for qualifying buyers paired with FHA or conventional financing.
Financing a Home in Dallas?
Talk to a local loan officer who already knows the market.
