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 Plano, TX
Entrust Home Lending is licensed to lend across Texas, including Plano and Collin County — jumbo and non-QM financing for corporate relocation income, FHA for first-time buyers, and DSCR for investors.
Talk to a Plano Loan Officer
Plano has become one of the largest corporate relocation destinations in North Texas, home to multiple Fortune 500 headquarters clustered around Legacy West and the broader corporate corridor. That concentration of relocating executives and professionals shapes the local mortgage market: strong incomes, often paired with equity compensation, signing bonuses, or a base salary that jumped significantly with the move — none of which always documents cleanly on a standard conventional file.
Non-QM and bank statement programs exist for exactly that kind of income, qualifying buyers based on actual documented cash flow and compensation structure rather than forcing it into a conventional template built for a flat salary. Plano’s home prices, particularly in West Plano and Willow Bend, also run high enough that jumbo financing comes up more often here than in most Collin County communities. For buyers with more straightforward income near Downtown Plano or Los Rios, FHA financing remains a common entry point, sometimes paired with TSAHC down payment assistance.
Plano’s steady population growth and strong school districts have also made it a target market for real estate investors buying rental property for relocating families who rent before they buy. DSCR financing fits that strategy well — qualification runs off the property’s own rental income rather than the investor’s personal income, which matters for anyone building a portfolio across multiple Collin County properties rather than qualifying property by property under conventional rules.
Plano’s corporate growth has also drawn a large international workforce, including buyers who recently relocated to the U.S. and haven’t yet built a conventional credit history, or who file taxes with an ITIN. Foreign national and ITIN programs exist for exactly that situation, qualifying a buyer off documented income and alternative credit references rather than requiring years of U.S. credit history most recent arrivals simply haven’t had time to establish.
Communities We Serve Near Plano
West Plano, Legacy West, Downtown Plano, Willow Bend, Los Rios, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Plano 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.
Plano FAQs
Does Entrust Home Lending finance homes in Plano?
Yes — Entrust Home Lending's Texas mortgage license covers Plano and all of Collin County, originating FHA, conventional, jumbo, non-QM, and DSCR loans.
Why does Plano see more jumbo loan requests than average?
Plano has become a major corporate headquarters hub, and the relocation income and home prices that come with it regularly push purchases above the conventional loan limit, which is what jumbo financing exists to cover.
Financing a Home in Plano?
Talk to a local loan officer who already knows the market.
