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 Killeen, TX
Entrust Home Lending is licensed to lend across Texas, including Killeen and the Fort Cavazos area — FHA financing built for military families on a relocation timeline, plus DSCR for investors serving the base's rental market.
Talk to a Killeen Loan Officer
Killeen exists largely because of Fort Cavazos (formerly Fort Hood) next door, one of the largest military installations in the world, and that proximity defines the local mortgage market more than almost anywhere else in Texas. A large share of buyers are active-duty service members or veterans working on a Permanent Change of Station timeline — often with a hard closing deadline tied to reporting dates rather than the flexible timeline a civilian buyer might have.
FHA financing, with its 3.5% down payment and flexible credit-score guidelines, is a strong fit for military families here, and pairing it with TSAHC down payment assistance can reduce the cash needed at closing when a PCS move doesn’t leave much room to save. Because Entrust underwrites files in-house rather than routing them through an out-of-area processing center, a Killeen file can get a clear answer quickly enough to matter against a reporting deadline.
Fort Cavazos also supports a large and consistent rental market — service members who rent rather than buy, and families stationed for a few years before their next move — which makes Killeen a market real estate investors return to. DSCR financing fits that strategy directly, qualifying a rental purchase off the property’s own income rather than requiring the investor to document personal income, with no limit on how many properties an investor can finance across Bell County the way conventional lending caps it.
For eligible active-duty service members, veterans, and surviving spouses, VA loans are frequently the better fit than FHA in Killeen — no down payment, no monthly mortgage insurance, and underwriting built around military pay structures like Basic Allowance for Housing. Given how much of Killeen’s buyer pool has VA eligibility through Fort Cavazos, walking through both FHA and VA side by side before a buyer commits to one is part of how Entrust approaches a Killeen file.
Communities We Serve Near Killeen
Downtown Killeen, Chaparral, The Overlook, Stonetree, Sugarloaf, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Killeen 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.
Killeen FAQs
Does Entrust Home Lending finance homes in Killeen?
Yes — Entrust Home Lending's Texas license covers Killeen and all of Bell County, originating FHA, conventional, and DSCR loans for military and civilian buyers alike.
What makes Killeen's mortgage market different from other Texas cities?
Killeen sits next to Fort Cavazos, one of the largest military installations in the world, so a large share of buyers are on a PCS timeline that leaves little room for a slow loan process — that timeline pressure shapes how financing gets structured here.
Financing a Home in Killeen?
Talk to a local loan officer who already knows the market.
