Self-employed borrower qualifying for a mortgage in Southlake TX

Special Loan Programs for Unique Buyers

Are you purchase ready?

At Assurance Home Loans, we know that not every borrower fits a traditional lending box — and that’s okay. Our specialty loan programs are designed to help clients in Southlake, DFW, and all of Texas with unique financial situations achieve their homeownership and investment goals.

Whether you’re self-employed, investing in real estate, or financing a property that needs a little extra work, we’ll guide you to the right solution with clarity and confidence.

Bank StatementsIdeal for business income that doesn't show on tax returns

DSCR LoansQualification is based on a property's rental income only

Renovation LoansImprovement costs are rolled into the final loan amount

DSCR LoansQualification is based on a property's rental income only

Reverse MortgagesImprovement costs are rolled into the final loan amount

New ConstructionShort-term financing used to cover the cost of building a new custom home

Self-Employed & Bank Statement Loans

If you’re a business owner or freelancer without traditional W-2 income, we offer flexible programs that use your bank statements or business income to qualify — no tax returns required. Perfect for entrepreneurs who deserve credit for their real success.

Investor & DSCR Loans

Build wealth through real estate with our Debt Service Coverage Ratio (DSCR) loans. These programs qualify based on a property’s rental income, not your personal income, making it easier to expand your investment portfolio across Southlake and the greater DFW area.

Renovation & Rehab Loans

Turn a fixer-upper into your dream home. Renovation loans let you roll the purchase and improvement costs into one simple mortgage — ideal for buyers who see potential where others see projects.

Reverse Mortgage Loans

A reverse mortgage is a loan for homeowners (typically 62 or older) that allows them to convert their home equity into cash while retaining ownership and living in the home.

Construction Financing

Building a home gives you total control over design, location, and lifestyle—but it also requires the right kind of financing. At Assurance Home Loans, we guide Southlake-area buyers through the construction loan process from blueprints to move-in day.

Our Workflow

Consultation – We learn about your goals and answer your questions
Pre-Approval – Know your budget and make stronger offers
Loan Selection – We match you with the best loan program for your goals and situation
Processing & Underwriting – We handle the paperwork and details
Closing Day – Sign and celebrate—you’re a homeowner!

Why Choose us

Local expertise in Southlake, DFW and throughout Texas
Personalized loan strategies for your situation
Fast, responsive communication
Access to a wide range of lenders and programs
Support from pre-approval to closing

Ready to Explore your Options?

Whether you're ready to buy or just exploring your options, we’re here to help. Reach out today and let’s start the path to your next home.

FAQs

How much do I need for a down payment?

It depends on your loan type. Some programs require as little as 3% down—or even 0% for VA and USDA loans.

Can I get pre-approved before finding a home?

Yes, and we recommend it! Pre-approval helps you know your budget and shows sellers you’re a serious buyer.

Do you offer help for first-time buyers?

Absolutely. We love working with first-time buyers and can connect you with programs that reduce upfront costs.

Brent Knapp | Assurance Home Loans

Your local Southlake mortgage broker helping DFW buyers move from "thinking about it" to "approved and ready."

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.