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 Round Rock, TX
Entrust Home Lending is licensed to lend across Texas, including Round Rock and Williamson County — FHA and conventional financing for growing families, non-QM for tech and relocation income, and DSCR for investors.
Talk to a Round Rock Loan Officer
Round Rock has grown alongside Austin’s tech corridor without fully inheriting Austin’s home prices, which has made it a landing spot for families and professionals who want tech-sector proximity at a more manageable price point. That growth pattern brings a familiar mix: tech employees with equity or bonus-heavy compensation, alongside more traditional dual-income households buying in established neighborhoods like Old Town Round Rock or Forest Creek.
For buyers whose compensation includes stock grants, bonuses, or relocation packages that don’t reduce cleanly to a base salary, non-QM and bank statement underwriting can qualify income off actual documented cash flow. First-time buyers in newer developments like Teravista and Stone Canyon more commonly use FHA financing, with its 3.5% down payment and flexible credit guidelines, often paired with TSAHC down payment assistance.
Round Rock’s rapid population growth has also supported a steady rental market for families relocating ahead of a home purchase, which makes DSCR financing a practical option for investors — qualification runs off the property’s own rental income rather than the investor’s personal income documentation, without the financed-property caps that apply under conventional guidelines. For buyers with a straightforward W-2 and strong credit, conventional financing with as little as 3% down remains the most direct path in.
Round Rock’s newer master-planned communities, including Teravista and Stone Canyon, are still adding inventory through active builders, and a new-build purchase carries financing questions a resale doesn’t — draw schedules, builder deposits, and locking a rate months ahead of a completion date. New construction loan programs are built around that timeline specifically, so a Round Rock buyer under contract on a home that hasn’t broken ground yet isn’t stuck forcing a standard purchase loan into a process it wasn’t designed for. Longtime owners in established sections like Old Town Round Rock have also seen meaningful equity gains, and a cash-out refinance can put that equity to work funding a renovation or another purchase.
Communities We Serve Near Round Rock
Old Town Round Rock, Teravista, Forest Creek, Behrens Ranch, Stone Canyon, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Round Rock 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.
Round Rock FAQs
Does Entrust Home Lending finance homes in Round Rock?
Yes — Entrust Home Lending's Texas license covers Round Rock and all of Williamson County, originating FHA, conventional, non-QM, and DSCR loans.
Is down payment assistance available in Round Rock?
TSAHC down payment assistance is available statewide, including Williamson County, and is commonly paired with FHA financing for qualifying first-time buyers.
Financing a Home in Round Rock?
Talk to a local loan officer who already knows the market.
