--- title: Specialty Loan Programs Texas | Non-QM & DPA | Aravian Financial description: Explore specialty mortgage programs in Texas including Non-QM, DSCR, bank statement, medical professional, ITIN, foreign national, land loans, HELOAN, jumbo, reverse mortgages, and down payment assistance. --- - Buy a Home - [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) - [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote) - [Loan Programs](https://www.aravianfinancial.com/loan-programs) - [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers) - [Down Payment Assistance](https://www.aravianfinancial.com/down-payment-assistance) - Refinance - [Rate & Term Refi](https://www.aravianfinancial.com/refinance) - [Cash-Out Refinance](https://www.aravianfinancial.com/cash-out-refinance) - [Streamline Refinance](https://www.aravianfinancial.com/streamline-refinance) - [Loan Types](https://www.aravianfinancial.com/loan-programs) - [Conventional](https://www.aravianfinancial.com/conventional) - [FHA](https://www.aravianfinancial.com/fha) - [VA Loans](https://www.aravianfinancial.com/va) - [USDA](https://www.aravianfinancial.com/usda) - [Specialty Loans](https://www.aravianfinancial.com/specialty-loans) - [Calculators](https://www.aravianfinancial.com/calculators) - [Blog](https://www.aravianfinancial.com/blog) - About - [About Kris](https://www.aravianfinancial.com/about) - [Meet the Team](https://www.aravianfinancial.com/team) - [Reviews](https://www.aravianfinancial.com/reviews) - [Careers](https://www.aravianfinancial.com/careers) - [Contact](https://www.aravianfinancial.com/contact) [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) [Get a Quote](https://www.aravianfinancial.com/get-a-quote) Buy a Home ▾ [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote) [Loan Programs](https://www.aravianfinancial.com/loan-programs) [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers) [Down Payment Assistance](https://www.aravianfinancial.com/down-payment-assistance) Refinance ▾ [Rate & Term Refi](https://www.aravianfinancial.com/refinance) [Cash-Out Refinance](https://www.aravianfinancial.com/cash-out-refinance) [Streamline Refinance](https://www.aravianfinancial.com/streamline-refinance) Loan Types ▾ [Conventional](https://www.aravianfinancial.com/conventional) [FHA](https://www.aravianfinancial.com/fha) [VA Loans](https://www.aravianfinancial.com/va) [USDA](https://www.aravianfinancial.com/usda) [Jumbo](https://www.aravianfinancial.com/jumbo) [Reverse Mortgage](https://www.aravianfinancial.com/reverse-mortgage) [Specialty Loans](https://www.aravianfinancial.com/specialty-loans) [Calculators](https://www.aravianfinancial.com/calculators) [Blog](https://www.aravianfinancial.com/blog) About ▾ [About Kris](https://www.aravianfinancial.com/about) [Meet the Team](https://www.aravianfinancial.com/team) [Reviews](https://www.aravianfinancial.com/reviews) [Careers](https://www.aravianfinancial.com/careers) [Contact](https://www.aravianfinancial.com/contact) [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) [Get a Quote](https://www.aravianfinancial.com/get-a-quote) # When Standard Programs Do Not Fit Your Story. Not every borrower fits conventional guidelines. Aravian Financial specializes in specialty loan programs designed for self-employed borrowers, real estate investors, medical professionals, ITIN borrowers, foreign nationals, and buyers who need down payment help. [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote) 13 Specialty Programs Non-QM Specialists 20+ Wholesale Lenders Texas Licensed Broker Non-QM Self-Employed Non-QM Investor (DSCR) Non-Warrantable Condo Asset Depletion Medical Professional Down Payment Assistance TSAHC Programs ITIN Loan Program Foreign National Land Loan HELOAN Jumbo Reverse Mortgage All Specialty Programs ## Solutions for borrowers who do not fit the standard mold. As an independent broker with access to 20+ wholesale lenders, Kris can find programs for situations that most banks and retail lenders turn away. Non-QM ### Non-QM Self-Employed Qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Designed for entrepreneurs, freelancers, and business owners whose income does not fit standard guidelines. Bank statement qualifying No tax returns required Loan amounts to $3M+ Primary, 2nd, and investment [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Non-QM / Investor ### Non-QM Investor (DSCR) Qualify based on the rental income of the property, not your personal income. The Debt Service Coverage Ratio (DSCR) loan is the go-to program for real estate investors scaling a portfolio. No personal income required Qualify on rental income LLCs and entities accepted Short-term rental eligible [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Non-QM ### Non-Warrantable Condo Finance condos that do not meet Fannie Mae or Freddie Mac guidelines due to high investor concentration, pending litigation, or other factors. Conventional lenders say no. We have options. High investor concentration OK Pending litigation accepted New construction condos Competitive pricing [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Non-QM ### Asset Depletion Qualify using liquid assets instead of income. Retirement accounts, investment portfolios, and bank balances are divided over the loan term to create a calculated monthly income for qualifying. No employment required Retirement assets eligible Investment accounts counted Ideal for retirees [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Professional ### Medical Professional Designed for physicians, dentists, residents, and other licensed medical professionals. High loan amounts, low or no down payment, and student debt exclusions that conventional programs do not allow. Up to $2M+ loan amounts Low or no down payment Student loans excluded from DTI Works for new attendings [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) DPA ### Down Payment Assistance Multiple programs available to help Texas buyers cover their down payment and closing costs. Grants and forgivable loans that reduce your out-of-pocket costs significantly at closing. Grants that never need repayment Up to 5% of loan amount Works with FHA, VA, USDA, Conv. Available statewide [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) DPA / Texas ### TSAHC Programs The Texas State Affordable Housing Corporation offers two of the best DPA programs in the country. Homes for Texas Heroes and Home Sweet Texas provide up to 5% toward down payment and closing costs. Up to 5% grant or forgivable loan Homes for Texas Heroes program Home Sweet Texas for all buyers MCC tax credit available [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Non-QM ### ITIN Loan Program Homeownership for borrowers without a Social Security number. Qualify using your IRS Individual Taxpayer Identification Number with flexible documentation and alternative credit history. No SSN required ITIN accepted as identification Alternative credit accepted Primary and investment homes [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Non-QM ### Foreign National Purchase or refinance US property as a non-resident foreign national. No US credit history or SSN required. Available for primary residences, second homes, and investment properties. No US credit required Passport as identification Primary, 2nd, and investment Multiple visa types accepted [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Specialty ### Land Loan Finance raw land, improved lots, or agricultural property in Texas. Whether you are buying land to build on later or as an investment, we have programs designed specifically for Texas land purchases. Raw and improved land Agricultural property eligible Build-ready lots Texas-specific programs [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Home Equity ### HELOAN A Home Equity Loan (HELOAN) lets you borrow a lump sum against the equity in your Texas home at a fixed rate. Access your equity for renovations, debt consolidation, or major expenses. Fixed rate lump sum Access equity without refinancing Up to 80% combined LTV Primary residence in Texas [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Jumbo ### Jumbo Loan Financing above conventional conforming loan limits for high-value Texas homes. Competitive rates on large loan amounts, with options for primary residences, second homes, and investment properties. Above conforming loan limits Competitive jumbo pricing Primary, 2nd, and investment Flexible down payment options [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) Age 62+ ### Reverse Mortgage For homeowners 62 and older, a reverse mortgage converts home equity into tax-free funds with no required monthly mortgage payments. Stay in your home while accessing the equity you have built. No monthly mortgage payments For homeowners age 62+ Access tax-free home equity Continue living in your home [Contact Us](https://www.aravianfinancial.com/contact) ## Not sure which program fits your situation? Takes 2 minutes. No credit pull. No obligation. Kris will find the right solution. [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) [All Loan Programs](https://www.aravianfinancial.com/loan-programs) Independent mortgage broker serving Houston and all of Texas. NMLS #566937 | Aravian Financial NMLS #2691016. #### Buy - [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) - [Get a Quote](https://www.aravianfinancial.com/get-a-quote) - [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers) - [Down Payment Help](https://www.aravianfinancial.com/down-payment-assistance) - [Calculators](https://www.aravianfinancial.com/calculators) #### Loan Types - [Conventional](https://www.aravianfinancial.com/conventional) - [FHA](https://www.aravianfinancial.com/fha) - [VA](https://www.aravianfinancial.com/va) - [USDA](https://www.aravianfinancial.com/usda) - [Specialty Loans](https://www.aravianfinancial.com/specialty-loans) #### Company - [About Kris](https://www.aravianfinancial.com/about) - [Meet the Team](https://www.aravianfinancial.com/team) - [Reviews](https://www.aravianfinancial.com/reviews) - [Careers](https://www.aravianfinancial.com/careers) - [Blog](https://www.aravianfinancial.com/blog) - [Contact](https://www.aravianfinancial.com/contact) - [Privacy Policy](https://www.aravianfinancial.com/privacy-policy) - [NMLS Consumer Access](https://nmlsconsumeraccess.org) Equal Housing Opportunity © 2026 Aravian Financial. All rights reserved. Kris Syevens, NMLS #566937 [Privacy](https://www.aravianfinancial.com/privacy-policy)[Terms](https://www.aravianfinancial.com/terms)[NMLS Access](https://nmlsconsumeraccess.org) Aravian Financial, NMLS #2691016  |  Kris Syevens, NMLS #566937  |  Licensed Mortgage Broker, State of Texas. This is not a commitment to lend. Rates, terms, and programs are subject to change without notice. All loans subject to credit approval. Equal Housing Opportunity. [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify)[Get a Quote](https://www.aravianfinancial.com/get-a-quote) [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) [Get a Quote](https://www.aravianfinancial.com/get-a-quote)