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 Broker in Galveston, TX
Entrust Home Lending is headquartered nearby in Houston and works with buyers and investors throughout Galveston Island — conventional and FHA financing, plus DSCR financing built for vacation-rental and long-term investment property.
Talk to a Galveston Loan Officer
Galveston Island runs on two overlapping economies: a historic port and maritime industry base, and a tourism and vacation-rental market built around its beaches and the East End Historic District. That second economy has made Galveston one of the most active short-term rental markets on the Texas coast, and it changes the financing conversation in ways that don’t apply inland — windstorm and flood insurance premiums run considerably higher on the island, and that added cost factors directly into a buyer’s debt-to-income calculation.
For owner-occupant buyers in neighborhoods like Downtown Galveston or the West End, FHA and conventional financing remain the standard path, sometimes paired with TSAHC or the Houston-region SETHFC down payment assistance program. But a large share of Galveston purchases are investment-driven, and DSCR financing has become the standard tool for that market — it qualifies a purchase off the property’s own rental income, short-term or long-term, rather than the investor’s personal income, which matters when a property near Pirates Beach or Tiki Island is being bought specifically to generate vacation-rental income.
Self-employed buyers tied to the tourism and hospitality trade that keeps the island running are also common here, and bank statement loans exist for exactly that situation — qualifying income off actual bank deposits instead of a tax return that may understate real cash flow during peak season.
Because a Galveston purchase — whether a primary residence or an investment property — often comes with financing questions specific to the coast, working with a lender who underwrites in-house rather than applying a generic inland template matters. Entrust reviews each Galveston file directly, factoring in the real insurance costs and rental potential of the specific property rather than a one-size-fits-all approach built for a market three hours inland. Older homes in the East End Historic District that need updating before they’re move-in ready can also be financed with hard money, closing fast enough to compete for a historic property against an all-cash offer.
Communities We Serve Near Galveston
East End Historic District, Downtown Galveston, West End, Pirates Beach, Tiki Island, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
- Southeast Texas Housing Finance Corporation (SETHFC) homebuyer programs
Loan Programs
Financing for Galveston 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.
Our Office
Galveston FAQs
Does Entrust Home Lending finance homes in Galveston?
Yes — Galveston is part of the greater Houston region Entrust Home Lending is based in, originating FHA, conventional, and DSCR loans for buyers and investors on the island.
Does coastal insurance affect a Galveston mortgage application?
Yes — windstorm and flood insurance costs are meaningfully higher on Galveston Island than inland Texas, and that expense factors directly into the debt-to-income calculation on a purchase.
Can I finance a vacation rental property on Galveston Island?
DSCR financing is well suited to short-term rental purchases, qualifying the property off its rental income, including Airbnb-style bookings, rather than the investor's personal income.
Financing a Home in Galveston?
Talk to a local loan officer who already knows the market.
