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A lot of Texans want to build a dream household, but many never move past the planning stage. Credit score worries, high monthly debt, and self-employment income often feel like deal breakers. Still, the mortgage landscape in Texas has changed more than most people realize.
Some buyers qualify for a 580 credit score home loan even while rebuilding credit. Others are approved through high DTI mortgage loans when their overall financial picture is strong. There are also self-employed loans with no proof of income that rely on bank statements instead of tax returns.
So the real question is this:
Is the dream household out of reach—or are the rules just misunderstood?
For those buying or trying to buy in Texas, what’s holding you back right now? Credit, DTI, income docs, interest rates, or just uncertainty about where to start? Let’s compare notes and help each other out.
Some buyers qualify for a 580 credit score home loan even while rebuilding credit. Others are approved through high DTI mortgage loans when their overall financial picture is strong. There are also self-employed loans with no proof of income that rely on bank statements instead of tax returns.
So the real question is this:
Is the dream household out of reach—or are the rules just misunderstood?
For those buying or trying to buy in Texas, what’s holding you back right now? Credit, DTI, income docs, interest rates, or just uncertainty about where to start? Let’s compare notes and help each other out.
