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 Broker in The Woodlands, TX
Entrust Home Lending helps buyers and investors across The Woodlands finance everything from a family home near Lake Woodlands to a jumbo-sized purchase in one of the area's higher-end villages.
Talk to a The Woodlands Loan Officer
The Woodlands’ village-based layout means pricing and property types vary widely from one side of town to the other, and financing needs vary right along with it — jumbo loans are common here in a way they aren’t everywhere else in Montgomery County. A purchase in Sterling Ridge or Panther Creek often exceeds the conventional loan limit entirely, while a townhome near Grogan’s Mill or Cochran’s Crossing may not come close to it.
The Woodlands is also home to a large number of corporate employees whose income doesn’t look like a simple salary — bonus-heavy compensation, equity, or relocation packages that a standard conventional file can struggle to document cleanly. Non-QM and bank-statement underwriting exist for exactly that kind of income, evaluated on cash flow and documentation that fits the borrower’s actual pay structure rather than forcing it into a W-2 template.
For move-up buyers with strong credit but a larger loan amount, jumbo financing is the more common path than FHA here, though TSAHC down payment assistance can still apply on the lower end of the market near Creekside Park. Investors buying rental property in or around The Woodlands can also qualify off DSCR — the property’s own rental income — rather than personal income documentation.
Communities We Serve Near The Woodlands
Alden Bridge, Cochran's Crossing, Grogan's Mill, Sterling Ridge, Panther Creek, Creekside Park, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
- Southeast Texas Housing Finance Corporation (SETHFC) homebuyer programs
Loan Programs
Financing for The Woodlands 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.
Our Office
Financing a Home in The Woodlands?
Talk to a local loan officer who already knows the market.
