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 Irving, TX
Entrust Home Lending is licensed to lend across Texas, including Irving and the Las Colinas business district — non-QM and bank statement financing for business travel and corporate income, FHA for first-time buyers, and DSCR for investors.
Talk to a Irving Loan Officer
Irving’s Las Colinas district is one of the largest concentrated business districts in North Texas, home to corporate offices, DFW Airport-adjacent logistics companies, and a workforce that frequently includes contractors and consultants who travel between projects rather than working a single fixed location. That mix produces income documentation that doesn’t always fit a conventional lender’s template — consulting income, 1099 contracts, and business ownership are common enough around Las Colinas and Valley Ranch that bank statement and non-QM programs come up regularly.
Those programs qualify income off actual bank deposits or documented cash flow rather than requiring a traditional employer-verified salary, which matters for independent contractors and business owners drawn to Irving’s commercial base. For buyers with more conventional income near MacArthur Park or Cottonwood Valley, FHA financing’s 3.5% down payment and flexible credit guidelines remain the standard first-time-buyer path, often paired with TSAHC down payment assistance.
Irving’s proximity to DFW Airport has also made it a steady rental market for corporate housing and mid-term tenants, which draws investors looking to qualify a purchase without documenting personal income. DSCR financing handles that directly — the loan is qualified against the property’s own rental income, not the investor’s tax returns, and there’s no cap on how many financed properties an investor can hold the way conventional financing imposes.
Irving is also one of the more internationally diverse cities in North Texas, and a bilingual loan team matters for a meaningful share of local buyers. Every loan officer at Entrust Home Lending speaks Spanish and English, and for borrowers who file taxes with an ITIN or are still building U.S. credit history after a recent move, ITIN and non-QM programs offer a realistic path in rather than a flat rejection.
Longtime homeowners in established parts of Irving have also built up substantial equity as Las Colinas-area home values have climbed, and a HELOC lets that equity fund a renovation or a second property purchase without touching the rate on an existing first mortgage.
Communities We Serve Near Irving
Las Colinas, Valley Ranch, Downtown Irving, Cottonwood Valley, MacArthur Park, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Irving 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.
Irving FAQs
Does Entrust Home Lending finance homes in Irving?
Yes — Entrust Home Lending's Texas license covers Irving and all of Dallas County, originating FHA, conventional, non-QM, and DSCR loans.
Is down payment assistance available in Irving?
TSAHC down payment assistance is available statewide, including Dallas County, and is commonly paired with FHA financing for qualifying buyers.
Financing a Home in Irving?
Talk to a local loan officer who already knows the market.
