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 Midland, TX
Entrust Home Lending is licensed to lend across Texas, including Midland and the Permian Basin — bank statement and non-QM financing built for oil-and-gas 1099 income, FHA for first-time buyers, and DSCR for investors.
Talk to a Midland Loan Officer
Midland sits at the heart of the Permian Basin, one of the most active oil and gas producing regions in the world, and that industry shapes almost every mortgage conversation here. A large share of Midland’s workforce is paid as 1099 contractors, field consultants, or owner-operators rather than traditional W-2 employees — income that can be substantial but doesn’t fit the steady, predictable pay history conventional underwriting is built around.
Bank statement and non-QM programs exist specifically for that pattern, qualifying a borrower’s income off actual bank deposits and documented cash flow rather than requiring two years of identical W-2s. That flexibility matters in a market where income can genuinely vary with drilling activity and commodity prices from one year to the next. First-time buyers with more traditional income in neighborhoods like Green Tree or Northeast Midland still commonly use FHA financing, with its 3.5% down payment, often paired with TSAHC down payment assistance.
Midland’s boom-and-bust housing cycle, tied closely to oil prices, has also made it an active market for real estate investors comfortable with that volatility. DSCR financing qualifies a rental purchase off the property’s own income rather than the investor’s personal income — useful in a market where an investor’s oil-and-gas-tied income might itself be hard to document conventionally, even as the rental property’s numbers stand on their own.
Oil boom cycles have also pushed home prices in parts of Midland, particularly executive housing near Midland Country Club Estates, above the conventional loan limit — a pattern less common in most other West Texas cities. Jumbo financing exists specifically to cover that gap, and because oil-and-gas executive compensation often includes bonuses or equity that don’t sit neatly on a W-2, pairing jumbo financing with non-QM underwriting is a combination that comes up more often in Midland than it does almost anywhere else on this list.
Communities We Serve Near Midland
Downtown Midland, Green Tree, Grassland, Northeast Midland, Midland Country Club Estates, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Midland 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.
Midland FAQs
Does Entrust Home Lending finance homes in Midland?
Yes — Entrust Home Lending's Texas license covers Midland and all of Midland County, originating FHA, conventional, non-QM, and DSCR loans built around the Permian Basin's income patterns.
Can oil-and-gas contract income qualify me for a mortgage?
Yes — bank statement and non-QM programs qualify 1099 and contract-based oil-and-gas income off actual bank deposits rather than requiring the steady two-year W-2 history a conventional loan typically wants.
Financing a Home in Midland?
Talk to a local loan officer who already knows the market.
