HOUSTON · TEXAS
Houston Mortgage Broker for Business Owners
Texas-based Expo Lending helps business owners and self-employed borrowers in Greater Houston finance primary homes, second homes, and investment property with documentation that matches real-world cash flow—not just W-2 underwriting.
If you are shopping Houston neighborhoods, refinancing, or building a rental portfolio, you deserve a broker who already speaks entrepreneur. Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973), works non-QM and specialty programs through Expo Lending LLC (NMLS #2619446).
Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446
Mortgage Help for Houston Business Owners
Traditional underwriting leans on W-2s and tax returns. If you own a business in Greater Houston, take draws instead of a salary, or write off depreciation and equipment, your adjusted income may look too low for a conventional loan—even when cash flow is strong. Expo Lending specializes in non-QM and alternative-documentation options that fit how entrepreneurs actually get paid.
- Self-employed professionals buying or refinancing in Houston
- LLC, S-corp, and partnership owners with complex tax returns
- 1099 contractors and commission-based earners
- Investors adding rentals locally or in other states via DSCR
- Jumbo and luxury buyers who need flexible documentation
Local Context: Houston
Houston’s economy runs on energy, healthcare, logistics, construction, professional services, and thousands of small businesses. That mix creates strong buyers—and tax returns that often understate what owners actually earn. Our office is at 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002, and we work files across Harris County and the surrounding metros.
Common Houston use cases
Self-employed purchases in The Woodlands, Katy, Sugar Land, Pearland, Cypress, and inside the Loop; cash-out refinances for business capital; jumbo financing in luxury pockets; and DSCR loans for rental investors who may also buy outside Texas.
Whether you are in a master-planned community or a close-in neighborhood, the financing question is the same: which documentation path gets you approved without forcing you to reverse years of smart tax planning?
Loan Programs We Commonly Use
Explore the full guides—each page explains who the program fits, typical documents, and FAQs. Guidelines vary and are subject to underwriting.
- Bank statement loans — Qualify with deposits when tax returns understate cash flow.
- P&L statement loans — CPA-prepared profit & loss for business owners.
- 1099 loans — Built for contractors and freelancers.
- Asset depletion loans — Qualify using eligible investment and deposit accounts.
- Jumbo & luxury loans — High-value Texas purchases and refinances.
- ITIN loans — Financing pathways for ITIN holders.
- Foreign national loans — Cross-border buyers of Texas property.
- DSCR loans (all 50 states) — Investor financing based on rental income, including many short-term rentals.
- Commercial real estate loans (all 50 states) — Business-purpose and commercial assets nationwide.
How Working With Expo Lending Feels
- Discovery call — Goals, credit overview, and how you earn.
- Program match — We compare non-QM options without locking a fake webpage rate.
- Pre-approval — Terms your Realtor can use in the Houston market.
- Close — Appraisal, title, and conditions through funding.
Expo Lending LLC (NMLS #2619446) is Texas-based. Aiden Fahimi (NMLS #1943973) works files across Houston, Dallas–Fort Worth, Austin, San Antonio, and the rest of Texas. Residential and non-QM lending focuses on Texas; DSCR and commercial financing are available in all 50 states. Browse hundreds of successful closings on Success Stories.
Serving More of Texas
Looking outside this metro? Visit our other city pages:
Houston Mortgage FAQs
Do you only work with borrowers in Houston?
No. Expo Lending is Texas-based and serves business owners and self-employed borrowers across Texas. Houston is a core market, not the only one. DSCR and commercial loans are available in all 50 states.
What if my tax returns are too low for a conventional loan?
That is a common reason clients choose bank statement, P&L, 1099, or asset depletion programs. We compare paths based on how your business banks and files taxes.
Can you help with investment properties in Houston?
Yes. Some borrowers use personal-income programs for rentals; many investors prefer DSCR loans that qualify mainly on rent. DSCR is available in all 50 states through Expo Lending.
What phone number should I use?
Call (877) 732-4464 for the main office line. Text or call (713) 885-3944 for Aiden’s direct line. Hours are Monday–Friday, 9 AM–6 PM Central.
Are rates posted on the website?
No. Rates and LTVs depend on credit, occupancy, property, documentation type, and the program available at application. We provide scenario pricing after a short review—not generic promises.
Mon–Fri 9 AM–6 PM Central · Call (877) 732-4464 · Text (713) 885-3944
Equal Housing Opportunity. Expo Lending LLC, NMLS #2619446. Aiden Fahimi, Broker | Mortgage Advisor, NMLS #1943973. 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002. Office (877) 732-4464 · Direct/Text (713) 885-3944. Programs, guidelines, and availability vary and are subject to underwriting approval. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org.
