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 El Paso, TX
Entrust Home Lending is licensed to lend across Texas, including El Paso — a bilingual team, ITIN and foreign national loans for border-region borrowers, and FHA financing for military and civilian buyers alike.
Talk to a El Paso Loan Officer
El Paso’s position on the U.S.-Mexico border shapes its mortgage market in ways most Texas cities don’t share. A meaningful share of borrowers here file taxes with an ITIN rather than a Social Security number, or are non-U.S. citizens buying property without a U.S. credit history — situations ITIN loans and foreign national loans exist specifically to solve, rather than treating either as disqualifying.
El Paso is also home to Fort Bliss, one of the largest military installations in the country, which means a steady stream of active-duty and veteran buyers moving through the area — often on a PCS timeline that doesn’t leave room for a slow mortgage process. Low down payment and flexible credit-score guidelines make FHA financing a common choice for military families, often paired with TSAHC down payment assistance for buyers who qualify.
Because a large share of El Paso’s population is bilingual or Spanish-speaking, having a genuinely bilingual loan team matters more here than in most Texas cities — every loan officer at Entrust Home Lending speaks Spanish and English, so a borrower in Kern Place or the Upper Valley can work the entire process, from the first conversation to closing day, in whichever language they’re most comfortable in. For self-employed borrowers and small business owners common in the border economy, bank statement and non-QM programs qualify income off actual cash flow rather than a tax return alone.
El Paso’s cross-border economic ties also mean some buyers hold assets or income sources on both sides of the border, or are purchasing a home in El Paso while working across the border in Ciudad Juárez. Foreign national and ITIN underwriting are both built to document exactly that kind of financial picture — foreign bank statements, alternative credit references, and income that doesn’t fit a single-country tax return — rather than treating it as too complicated to finance — a common misconception that keeps qualified border-region borrowers from applying at all.
Communities We Serve Near El Paso
Downtown, Kern Place, Eastside, Westside, Upper Valley, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for El Paso 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.
El Paso FAQs
Does Entrust Home Lending finance homes in El Paso?
Yes — Entrust Home Lending is licensed as a mortgage company across Texas, including El Paso County, and the entire loan officer team is bilingual in English and Spanish.
Can I get a mortgage in El Paso without a Social Security number?
Yes, through an ITIN loan, built for borrowers who file taxes using an Individual Taxpayer Identification Number — a program that comes up often in a border community like El Paso.
Is financing available for buyers without U.S. credit history?
Foreign national loans are built for exactly that situation — qualifying off foreign credit references and documented income and assets instead of a U.S. credit score.
What financing fits El Paso's military community?
El Paso is home to Fort Bliss and a large military population; FHA financing's flexible credit guidelines and low down payment are a common fit for military families relocating to the area.
Financing a Home in El Paso?
Talk to a local loan officer who already knows the market.
