RESIDENTIAL · TEXAS
Residential Mortgages in Texas
Expo Lending helps Texas borrowers finance primary residences and investment properties—purchases and refinances—with special fluency for business owners, self-employed professionals, and files that do not fit a simple W-2 box.
Whether you are buying your first home, moving up, refinancing, or adding a rental, the right program depends on occupancy, income documentation, credit, and equity. This hub links every residential guide on the site so you can go straight to the page that matches your situation. Guidelines vary and are subject to underwriting.
Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446
Primary Residence & Investment Property
Primary homes are where most families start. Second homes and 1–4 unit investment properties follow different overlays—especially for down payment, reserves, and how income is calculated. For many rental investors, a DSCR loan (available in all 50 states) qualifies mainly on the property’s rent rather than personal DTI.
- Primary residence purchases and refinances across Texas
- Second homes when the selected program allows
- Investment property financing in Texas, with nationwide DSCR options for scaling a portfolio
- Jumbo sizing when the loan exceeds conforming limits
Purchase & Refinance
Purchases need a clear pre-approval your Realtor can trust. Refinances may be rate-and-term (lowering payment or changing terms) or cash-out when equity and guidelines support it. Texas homestead and cash-out rules can affect structure—bring your goals early so we plan correctly.
- Purchase loans in Texas — End-to-end buy-side financing paths.
- Refinance in Texas — Rate-and-term and cash-out overview.
First-Time Buyers
First-time buyers who are self-employed or paid on 1099s often need more than a retail checklist. We explain documentation early, set realistic timelines, and coordinate with your agent so contract dates are achievable.
- First-time home buyer guide — Built for entrepreneurs and complex income.
Business Owner & Self-Employed Friendly Loans
If tax returns understate cash flow, explore alternative documentation:
- Bank statement loans — 12- or 24-month deposit history.
- P&L statement loans — CPA-prepared profit and loss.
- 1099 loans — Independent contractor income.
- Asset depletion loans — Qualify from eligible assets.
- Jumbo & luxury — High-value homes with flexible docs.
- ITIN loans — ITIN holders without an SSN.
- Foreign national loans — Cross-border residential financing.
Difficult Scenarios
Recent credit events, high debt-to-income, thin credit, or layered income sources do not automatically end the conversation. See our difficult scenarios guide for how we approach complex files—always subject to program guidelines and underwriting.
- Difficult mortgage scenarios — Credit events, high DTI, complex income, and more.
- Investment property loans — Texas rentals and nationwide DSCR.
All Residential Guides
- Purchase loans in Texas — Buy a home with the right documentation path.
- Refinance in Texas — Rate-and-term or cash-out options when guidelines allow.
- First-time home buyers — Guidance for first purchases with complex income.
- Investment property loans — Financing rentals in Texas and DSCR nationwide.
- Difficult mortgage scenarios — Recent credit events, high DTI, complex income, and more.
- Bank statement loans — Qualify with deposits, not just tax returns.
- P&L statement loans — CPA P&L for business owners.
- 1099 loans — Contractors and freelancers.
- Asset depletion loans — Qualify using eligible assets.
- Jumbo & luxury loans — High-value Texas homes.
- ITIN loans — Borrowers with an ITIN instead of an SSN.
- Foreign national loans — Non-U.S. citizens financing Texas property.
- DSCR loans (all 50 states) — Investor loans based on rental income.
Texas Coverage & Nationwide Investor Options
Expo Lending is Texas-based. Residential and non-QM lending serves borrowers across Texas—Houston, Dallas–Fort Worth, Austin, San Antonio, and beyond. DSCR investor loans and commercial real estate financing are available in all 50 states. Hundreds of successful closings are shown on Success Stories.
City pages: Houston · Dallas–Fort Worth · Austin · San Antonio mortgage broker guides.
- Houston · Dallas–Fort Worth · Austin · San Antonio
- Resources hub · About · Commercial loans nationwide
Residential Mortgage FAQs
Do you only finance primary homes?
No. Expo Lending helps with primary residences, and—when programs allow—second homes and investment properties. DSCR investor loans are available in all 50 states.
Can self-employed borrowers get a residential mortgage?
Yes. Bank statement, P&L, 1099, asset depletion, and other non-QM options available through Expo Lending are designed for business owners whose tax returns understate cash flow. Guidelines vary, subject to underwriting.
Is Expo Lending only in Houston?
No. Expo Lending is Texas-based and serves residential borrowers statewide. Commercial and DSCR financing are available in all 50 states.
Should I start with purchase or refinance pages?
If you are buying, start with the purchase guide or the documentation page that matches how you earn. If you already own, start with refinance. The residential hub links both.
Do you publish rates here?
No. Rates and terms depend on credit, LTV, occupancy, property, documentation, and the program available at application.
Mon–Fri 9 AM–6 PM Central · Serving all of Texas
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.
