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 South Texas / The Rio Grande Valley
Entrust Home Lending is licensed to lend across Texas, including the Rio Grande Valley and South Texas — a bilingual team, ITIN and foreign national loans for border-region borrowers, and FHA financing for agricultural-sector families.
Talk to a South Texas Loan Officer
South Texas and the Rio Grande Valley — anchored by McAllen, Brownsville, Harlingen, and Edinburg — sit directly on the U.S.-Mexico border, and that geography shapes the mortgage market here more than almost anywhere else in the state. A large share of borrowers file taxes with an ITIN rather than a Social Security number, or are non-U.S. citizens purchasing property without a U.S. credit history. ITIN loans and foreign national loans exist specifically for those situations, built around tax filing history and documented foreign income and assets rather than treating either as disqualifying.
The Valley’s economy also leans heavily on citrus and other agriculture, along with cross-border trade and logistics tied to the Pharr and Brownsville ports of entry. Income from farming, seasonal agricultural work, or a small import-export business often doesn’t arrive as a consistent monthly paycheck, which is exactly the situation bank statement and non-QM underwriting are built to handle — qualifying a borrower off actual bank deposits and documented cash flow rather than a single tax return.
Because the Rio Grande Valley has one of the highest concentrations of Spanish-speaking residents anywhere in Texas, a genuinely bilingual loan team isn’t a minor convenience here — it’s often the difference between fully understanding a mortgage contract and not. Every loan officer at Entrust Home Lending speaks Spanish and English, so a borrower in McAllen or Brownsville can work through pre-qualification, documentation, and closing in whichever language they’re most comfortable in. First-time buyers with more conventional income commonly use FHA financing, often paired with TSAHC down payment assistance for buyers who qualify.
The Valley’s proximity to South Padre Island also supports a strong short-term and seasonal rental market tied to winter Texan snowbird visitors and spring beach tourism. DSCR financing qualifies those purchases off the property’s own rental income rather than the investor’s personal income, which fits an investor buying a vacation-rental property in Cameron County without the personal-income documentation conventional financing requires.
Communities We Serve Near South Texas
McAllen, Brownsville, Harlingen, Edinburg, Pharr, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for South Texas 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.
South Texas FAQs
Does Entrust Home Lending finance homes in the Rio Grande Valley?
Yes — Entrust Home Lending's Texas mortgage license covers South Texas and the Rio Grande Valley, including McAllen, Brownsville, Harlingen, and the surrounding area, and the entire loan officer team is bilingual in English and Spanish.
Can I get a mortgage in South Texas without a Social Security number?
Yes, through an ITIN loan, built for borrowers who file taxes using an Individual Taxpayer Identification Number — a program that comes up frequently across the Rio Grande Valley.
Is financing available for citrus and agricultural income common in the Valley?
Bank statement and non-QM programs can qualify seasonal agricultural and self-employed income off actual bank deposits rather than a tax return that may not reflect a full year's cash flow evenly.
Financing a Home in South Texas?
Talk to a local loan officer who already knows the market.
