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 Fort Worth, TX
Entrust Home Lending is licensed to lend across Texas, including Fort Worth and Tarrant County — FHA and conventional financing for buyers, bank statement and non-QM for self-employed income, and DSCR for investors.
Talk to a Fort Worth Loan Officer
Fort Worth’s economy leans heavily on aviation and defense manufacturing, alongside a growing logistics and distribution sector around Alliance in north Fort Worth. That employment base means a meaningful share of buyers work overtime-heavy schedules, shift differentials, or contract positions tied to a single large employer — income that’s real but doesn’t always translate cleanly into a standard mortgage file built around a flat salary.
First-time buyers near the Cultural District or the TCU area commonly use FHA financing, with its 3.5% down payment and flexible credit-score guidelines, often paired with TSAHC down payment assistance to reduce cash needed at closing. For buyers whose income comes from overtime, contract work, or a side business alongside a primary job, bank statement and non-QM underwriting can qualify income based on actual cash flow rather than a base salary alone.
Fort Worth’s growth corridor around Alliance has also drawn real estate investors building rental portfolios near the distribution and logistics hub. DSCR financing fits that market well — qualification is based on the property’s own rental income, not the investor’s personal income documentation, which matters for anyone scaling past a handful of properties. Downtown and Near Southside, meanwhile, see a steady mix of young professionals and move-up buyers where conventional financing remains the standard path.
Fort Worth and the rest of Tarrant County also have a substantial Spanish-speaking population, and Entrust’s entire loan officer team is bilingual in English and Spanish — a real advantage for borrowers who want to work through pre-qualification, documentation, and closing in Spanish rather than relying on a translated form. And for buyers rebuilding credit after a past financial setback, FHA’s flexible guidelines allow scores as low as 500 with a larger down payment, with Entrust underwriting those files in-house rather than routing them through a call center.
Communities We Serve Near Fort Worth
Downtown / Sundance Square, Cultural District, Near Southside, TCU Area, Alliance, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Fort Worth 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.
Fort Worth FAQs
Does Entrust Home Lending finance homes in Fort Worth?
Yes — Entrust Home Lending's Texas mortgage license covers Fort Worth and all of Tarrant County, originating FHA, conventional, non-QM, and DSCR loans for buyers and investors.
What financing fits Fort Worth's aerospace and defense workforce?
Many buyers tied to Fort Worth's aviation and defense employers work overtime-heavy or contract schedules; bank statement and non-QM underwriting can qualify that income off actual bank deposits when a standard pay stub doesn't tell the full story.
Is down payment assistance available in Fort Worth?
TSAHC down payment assistance programs are available statewide, including Tarrant County, and are commonly paired with FHA financing for qualifying first-time buyers.
Financing a Home in Fort Worth?
Talk to a local loan officer who already knows the market.
