No Tax Return Texas Mortgage Lenders

STATED INCOME TEXAS MORTGAGE LENDERS – STATED INCOME TEXAS MORTGAGE

TEXAS SELF EMPLOYED MORTGAGE APPLICANTS QUESTIONS AND ANSWERS

texas Mortgage Lenders offers a 24-Month Bank Statement Loan Program.

Texas Bank Statement Only borrowers that can document their income by providing the following:

  1. Bank Statement Lenders Worksheet
  2. Bank Statement Lenders 24 Month Profit and Loss Statement Request
  3. NO TAX RETURNS NEEDED!!!

STATED INCOME-NO DOC TEXAS COMMERCIAL MORTGAGE LENDERS

STATED INCOME TEXAS MORTGAGE LENDERS – STATED INCOME TEXAS MORTGAGE 
NO DOC TEXAS COMMERCIAL MORTGAGE LENDERS – STATED INCOME TEXAS MORTGAGE Serving All Texas Including And Not Limited To: Fort Worth TexasAustin TexasDallas TexasSan Antonio Texas,  Houston Texas::  STATED INCOME TEXAS MORTGAGE LENDERS- STATED TEXAS HOME LOANS

 

 

JUMBO BANK STATEMENT – STATED MORTGAGE LENDERS UP TO 5 MILLION

TEXAS  STATED HOME LOANS- BASED ON BANK STATEMENTS

  • Borrower must be Self Employed
  • Personal or Business Statement Accepted 
  • 50% MAXIMUM DTI  FOR BANK STATEMENTS
  • 24 months to qualify / Mortgage Late Payments, Short Sales, BK = OK!!
  • Bank statement lenders minimum 580 FICO!

25% DOWN STATED TEXAS  INVESTOR LOANS!

STATED INCOME TEXAS MORTGAGE PROGRAMS
Florida mortgage lenders offer three stated Documentation Programs:

1.Full Documentation (“Full Doc”)

2. Alternative Income (“Alt Doc Bank Statements”) for Owner Occupied properties

3.Alternative Documentation (“Alt-Doc Cash Flow”) for Non-Owner Occupied or Second Home properties and Business Loan requests.

The below information is a summary of the minimum Florida stated loan documentation requirements for each Income Documentation Program. For additional documentation requirements, refer to the Income Doc Charts in this section of the Guide.

-ALTERNATIVE DOCUMENTATION / BANK STATEMENTS- STATED INCOME FLORIDA MORTGAGE LENDERS 

Self-employed ONLY
(Must be able to verify self-employment income)

1. Last twenty-four (24) months personal or business bank statements with all pages required for all months.
2. Stated Florida Borrower Income is determined by using the gross monthly amount of deposits with a deduction of any itemized debts or other expenses that are verified by a tri-bureau merged credit report.
3. Max six (6) NSF checks in the last twelve (12) months.
4. Acceptable documentation supporting the existence of the business for the most recent two (2) years must be obtained. (Refer to the Acceptable Evidence of Self-employed Business).
FULL DOC / WAGE EARNER
1. VOE completed in full by employer verifying most recent two (2) years (Verbal verification of VOE required) and current year-to-date earnings on a current pay stub OR
2. W-2 for most recent two (2) years & current pay stub reflecting year-to-date earnings OR
3. Signed 1040’s for most recent two (2) years & current pay stub reflecting year-to-date earnings
Fixed & Other Sources
Current award/retirement letter; AND
Copy of the most recent bank statement showing automatic deposit (deposit must specifically reference the source of the deposit); OR
1099 for most recent year
Self-employed
Acceptable documentation supporting existence of the business (“Refer to the Acceptable Evidence of Self-employed Business”)AND
Verification of income covering the most recent two (2) years and year-to-date earnings with signed 1040’s as well as other    applicable supporting documentation (i.e. 1120’s, K-1s etc.)
100% Commission / Bonus
Verbal VOE, to confirm borrower’s employment and commission/bonus AND
Signed 1040’s for most recent two (2) years with current pay stub reflecting year-to-date earnings (if not pay stub no applicable, obtain bank statements covering year-to-date)
Salaried + > 25% Commission / Bonus
· Signed 1040’s for most recent two (2) years AND current pay stub reflecting year-to-date earnings (pay stub must reflect salaried wage + commission/bonus)

-STATED FLORIDA MORTGAGE LOANS EXPLAINED

If you are self-employed stated Florida home loan applicant, you already know the benefits that come with making your own decisions and never having to report to a boss. However, there are some disadvantages to generating your own self-employed income when it comes to applying for a stated Florida home loan.

“There are two main problems that self-employed Florida borrowers face when qualifying for a Florida mortgage,” “First, you need to prove their income with tax returns rather than using a ‘stated income’ loan. Second, the recent housing recession has caused declining income for many self-employed business owners. Even if their income has stabilized, the stated Florida home loan will be based on the average of your last two years of tax returns, which could show reduced income.”

Stated income Florida home loans were originally designed for self-employed people but were abused by too many Florida business owners that were buying homes they could not afford.

“Stated Florida income loans are starting to make a small comeback on the secondary market, but only for Florida Mortgage applicants with good credit scores of at least 640 or above, a down payment of 25 percent of the sales price or more and at least six months of future cash payment reserves to cover all monthly obligations.

“In the mid-1990s we Florida stated lenders started using bank statements to show cash flow for self-employed people and was a good way to get a lot of Florida homebuyers approved for Stated Florida home loans.

– SELF EMPLOYED BORROWERS INCOME AND TAXES

Self-employed stated Florida mortgage applicants must complete Internal Revenue Service Form 4506-T, which allows stated Florida mortgage lenders to request tax transcripts. Florida stated mortgage lenders are required to wait until the tax returns have been recorded by the IRS and must receive them directly from the IRS to verify legitimate returns.

Many self-employed individuals report expenses on their taxes in order to reduce their tax liability, but this can backfire when they apply for a mortgage.

“Self-employed stated Florida mortgage applicants people typically report their gross income minus expenses to generate a net income,”. “For tax purposes, it may be beneficial to have net income as low as possible, but the net income is the number used for income qualification.”

For example, a Florida business owner that claims $100,000 in income and $80,000 in expenses will find it nearly impossible to qualify for a traditional Florida mortgage. At this point, a self-employed Florida homebuyers has no other option but to apply using a stated Florida mortgage lender.

BANK STATEMENT ONLY MORTGAGE LENDERS LINKS 

Bank Statement Only Florida Mortgage Lenders

bank statement only – Florida-Mortgage-Lenders.com

Florida -Bank Statement Only Mortgage Lenders

BANK STATEMENT LOAN PROGRAM DETAILS – Florida-Mortgage …

Serving All Texas Stated Income Including And Not Limited To: Fort Worth Texas Stated Income Austin Texas Stated Income Dallas Texas Stated Income San Antonio Texas Stated Income ,  Houston Texas Stated Income 
SERVING EVERY CITY AND COUNTY IN TEXAS INCLUDING:

Rank Place name 2015 population 2010 Census % Change
1 Houston Texas Self Employed Mortgage Lenders  2,296,224 2,100,389 9.34%
2 San Antonio Texas Self Employed Mortgage Lenders  1,469,845 1,327,407 10.73%
3 Dallas Texas Self Employed Mortgage Lenders 1,317,929 1,197,816 8.53%
4 Austin Texas Self Employed Mortgage Lenders 931,820 790,390 17.89%
5 Fort Worth Self Employed Mortgage Lenders  833,319 741,206 12.42%
6 El Paso Self Employed Mortgage Lenders  681,124 649,121 4.93%
7 Arlington Self Employed Mortgage Lenders  388,125 365,438 6.20%
8 Corpus Christi Self Employed Mortgage Lenders  324,074 305,215 6.17%
9 Plano Self Employed Mortgage Lenders  283,558 259,841 9.12%
10 Laredo Self Employed Mortgage Lenders  255,473 236,091 8.20%
11 Lubbock Self Employed Mortgage Lenders  249,042 229,573 8.48%
12 Garland Self Employed Mortgage Lenders  236,897 226,876 4.41%
13 Irving Self Employed Mortgage Lenders  236,607 216,290 9.39%
14 Amarillo Self Employed Mortgage Lenders  198,645 190,695 4.21%
15 Grand Prairie Self Employed Mortgage Lenders  187,809 175,396 7.07%
16 Brownsville  Self Employed Mortgage Lenders  183,887 175,023 5.06%
17 McKinney Self Employed Mortgage Lenders  162,898 131,117 24.23%
18 Frisco Self Employed Mortgage Lenders  154,407 116,989 31.98%
19 Pasadena Self Employed Mortgage Lenders  153,784 149,043 3.18%
20 Mesquite Self Employed Mortgage Lenders  144,788 139,824 3.55%
21 Killeen Self Employed Mortgage Lenders  140,806 127,921 10.07%
22 McAllen Texas Self Employed Mortgage Lenders  140,269 130,242 7.69%
23 Carrollton Texas Self Employed Mortgage Lenders 133,168 119,097 11.81%
24 Midland Texas Self Employed Mortgage Lenders  132,950 111,147 19.61%
25 Waco Texas Self Employed Mortgage Lenders  132,356 124,805 6.05%
26 Denton Texas Self Employed Mortgage Lenders  131,044 113,383 13.24%
27 Abilene Texas Self Employed Mortgage Lenders  121,721 117,063 3.97%
28 Odessa Texas Self Employed Mortgage Lenders  118,968 99,940 19.03%
29 Beaumont Texas Self Employed Mortgage Lenders  118,129 118,296 –0.14%
30 Round Rock Texas Self Employed Mortgage Lenders 115,997 99,887 16.12%
31 The WoodlandsTexas Self Employed Mortgage Lenders  112,505 93,847 19.88%
32 Richardson Texas Self Employed Mortgage Lenders  110,815 99,223 11.68%
33 Pearland Texas Self Employed Mortgage Lenders  108,821 91,252 19.25%
34 College Station Texas Self Employed Mortgage Lenders  107,889 93,857 14.95%
35 Wichita Falls Texas Self Employed Mortgage Lenders  104,710 104,553 0.15%
36 Lewisville Texas Self Employed Mortgage Lenders  104,039 95,290 9.18%
37 Tyler Texas Self Employed Mortgage Lenders  103,700 96,500 7.46%
38 San Angelo Texas Self Employed Mortgage Lenders  100,450 93,200 7.77%
39 League City Texas Self Employed Mortgage Lenders  98,312 83,560 17.65%
40 Allen Texas Self Employed Mortgage Lenders  98,143 84,246 16.49%
41 Sugar Land Texas Self Employed Mortgage Lenders  88,156 78,817 11.84%
42 Edinburg Texas Self Employed Mortgage Lenders  84,497 77,100 9.59%
43 Mission Texas Self Employed Mortgage Lenders  83,298 77,058 8.09%
44 Longview Texas Self Employed Mortgage Lenders  82,287 80,455 2.27%
45 Bryan Texas Self Employed Mortgage Lenders  82,118 76,201 7.76%
46 Pharr Texas Self Employed Mortgage Lenders 76,538 70,400 8.71%
47 Baytown Texas Self Employed Mortgage Lenders  76,335 71,802 6.31%
48 Missouri City Texas Self Employed Mortgage Lenders  74,139 67,358 10.06%
49 Temple Texas Self Employed Mortgage Lenders  72,277 66,102 9.34%
50 Flower Mound Texas Self Employed Mortgage Lenders  71,253 64,669 10.18%
51 New Braunfels Texas Self Employed Mortgage Lenders  70,543 57,740 22.17%
52 North Richland Hills Texas Self Employed Mortgage Lenders  69,204 63,343 9.25%
53 Conroe Texas Self Employed Mortgage Lenders  68,602 56,207 22.05%
54 Victoria Texas Self Employed Mortgage Lenders  67,574 62,592 7.95%
55 Cedar Park Texas Self Employed Mortgage Lenders 65,945 48,937 34.75%
56 Harlingen Texas Self Employed Mortgage Lenders 65,774 64,849 1.42%
57 Atascocita Texas Self Employed Mortgage Lenders 65,844 65,844 0.00%
58 Mansfield Texas Self Employed Mortgage Lenders  64,274 56,368 14.02%
59 Georgetown Texas Self Employed Mortgage Lenders  63,716 47,400 34.42%
60 San Marcos Texas Self Employed Mortgage Lenders  60,684 44,894 35.17%
61 Rowlett Texas Self Employed Mortgage Lenders 60,236 56,199 7.18%
62 Pflugerville Texas Self Employed Mortgage Lenders  57,122 46,936 21.70%
63 Port Arthur Texas Self Employed Mortgage Lenders 55,340 53,818 2.82%
64 Spring Texas Self Employed Mortgage Lenders  54,298 54,298 0.00%
65 Euless Texas Self Employed Mortgage Lenders  54,219 51,277 5.73%
66 DeSoto Texas Self Employed Mortgage Lenders  52,486 49,047 7.01%
67 Grapevine Texas Self Employed Mortgage Lenders  51,404 46,334 10.94%
68 Galveston Texas Self Employed Mortgage Lenders  50,180 47,743 5.10%

General Texas Self Employed Mortgage Links

Small Business Administration – Texas
TxSmartBuy – State and Local Bid Opportunities
Administrative Code
City Codes
Statutes

SBA.gov’s Business Licenses and Permits Search Tool allows you to get a listing of federal, state and local permits, licenses, and registrations you’ll need to run a business.

Texas Self Employed Mortgage Links

Texas State Website

Small Business Events in Your Area

Doing Business in Texas

Secretary of State – Corporations
Texas Economic Development
Department of Licensing and Regulation

Texas Taxation

Texas Comptroller of Public Accounts – Texas Taxes

Texas Self Employed Links

Texas Workforce
Unemployment Claim Management and Appeals
New Hire Registry

Self Employed Mortgage Lenders Texas Coverage Areas Include

Zip Code City County Texas Zip Code Map
73301 Austin Travis Texas View Map
73344 Austin Travis Texas View Map
75001 Addison Dallas Texas View Map
75002 Allen Collin Texas View Map
75006 Carrollton Dallas Texas View Map
75007 Carrollton Denton Texas View Map
75009 Celina Collin Texas View Map
75010 Carrollton Denton Texas View Map
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75022 Flower Mound Denton Texas View Map
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75027 Flower Mound Denton Texas View Map
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75029 Lewisville Denton Texas View Map
75030 Rowlett Dallas Texas View Map
75032 Rockwall Rockwall Texas View Map
75034 Frisco Denton Texas View Map
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75477 Roxton Lamar Texas View Map
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75485 Westminster Collin Texas View Map
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75490 Trenton Fannin Texas View Map
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75495 Van Alstyne Grayson Texas View Map
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75550 Annona Red River Texas View Map
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75555 Bivins Cass Texas View Map
75556 Bloomburg Cass Texas View Map
75558 Cookville Titus Texas View Map
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75560 Douglassville Cass Texas View Map
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75562 Kildare Cass Texas View Map
75563 Linden Cass Texas View Map
75564 Lodi Marion Texas View Map
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75568 Naples Morris Texas View Map
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75570 New Boston Bowie Texas View Map
75571 Omaha Morris Texas View Map
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75599 Texarkana Bowie Texas View Map
75601 Longview Gregg Texas View Map
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75633 Carthage Panola Texas View Map
75636 Cason Morris Texas View Map
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75688 Scottsville Harrison Texas View Map
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75701 Tyler Smith Texas View Map
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77269 Houston Harris Texas View Map
77270 Houston Harris Texas View Map
77271 Houston Harris Texas View Map
77272 Houston Harris Texas View Map
77273 Houston Harris Texas View Map
77274 Houston Harris Texas View Map
77275 Houston Harris Texas View Map
77276 Houston Harris Texas View Map
77277 Houston Harris Texas View Map
77278 Houston Harris Texas View Map
77279 Houston Harris Texas View Map
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77282 Houston Harris Texas View Map
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77288 Houston Harris Texas View Map
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77292 Houston Harris Texas View Map
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77299 Houston Harris Texas View Map
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77302 Conroe Montgomery Texas View Map
77303 Conroe Montgomery Texas View Map
77304 Conroe Montgomery Texas View Map
77305 Conroe Montgomery Texas View Map
77306 Conroe Montgomery Texas View Map
77315 North Houston Harris Texas View Map
77316 Montgomery Montgomery Texas View Map
77318 Willis Montgomery Texas View Map
77320 Huntsville Walker Texas View Map
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77326 Ace Polk Texas View Map
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77348 Huntsville Walker Texas View Map
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77351 Livingston Polk Texas View Map
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77360 Onalaska Polk Texas View Map
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77364 Pointblank San Jacinto Texas View Map
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77369 Rye Liberty Texas View Map
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77384 Conroe Montgomery Texas View Map
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77387 Spring Montgomery Texas View Map
77388 Spring Harris Texas View Map
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77437 El Campo Wharton Texas View Map
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77471 Rosenberg Fort Bend Texas View Map
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77478 Sugar Land Fort Bend Texas View Map
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77485 Wallis Austin Texas View Map
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77488 Wharton Wharton Texas View Map
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77501 Pasadena Harris Texas View Map
77502 Pasadena Harris Texas View Map
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77505 Pasadena Harris Texas View Map
77506 Pasadena Harris Texas View Map
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77508 Pasadena Harris Texas View Map
77510 Santa Fe Galveston Texas View Map
77511 Alvin Brazoria Texas View Map
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77515 Angleton Brazoria Texas View Map
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77517 Santa Fe Galveston Texas View Map
77518 Bacliff Galveston Texas View Map
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77521 Baytown Harris Texas View Map
77522 Baytown Harris Texas View Map
77530 Channelview Harris Texas View Map
77531 Clute Brazoria Texas View Map
77532 Crosby Harris Texas View Map
77533 Daisetta Liberty Texas View Map
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77538 Devers Liberty Texas View Map
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77551 Galveston Galveston Texas View Map
77552 Galveston Galveston Texas View Map
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77554 Galveston Galveston Texas View Map
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77560 Hankamer Chambers Texas View Map
77561 Hardin Liberty Texas View Map
77562 Highlands Harris Texas View Map
77563 Hitchcock Galveston Texas View Map
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77577 Liverpool Brazoria Texas View Map
77578 Manvel Brazoria Texas View Map
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77588 Pearland Brazoria Texas View Map
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77627 Nederland Jefferson Texas View Map
77629 Nome Jefferson Texas View Map
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77650 Port Bolivar Galveston Texas View Map
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77655 Sabine Pass Jefferson Texas View Map
77656 Silsbee Hardin Texas View Map
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77660 Spurger Tyler Texas View Map
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77664 Warren Tyler Texas View Map
77665 Winnie Chambers Texas View Map
77670 Vidor Orange Texas View Map
77701 Beaumont Jefferson Texas View Map
77702 Beaumont Jefferson Texas View Map
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77705 Beaumont Jefferson Texas View Map
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77710 Beaumont Jefferson Texas View Map
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77720 Beaumont Jefferson Texas View Map
77725 Beaumont Jefferson Texas View Map
77726 Beaumont Jefferson Texas View Map
77801 Bryan Brazos Texas View Map
77802 Bryan Brazos Texas View Map
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77805 Bryan Brazos Texas View Map
77806 Bryan Brazos Texas View Map
77807 Bryan Brazos Texas View Map
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77830 Anderson Grimes Texas View Map
77831 Bedias Grimes Texas View Map
77833 Brenham Washington Texas View Map
77834 Brenham Washington Texas View Map
77835 Burton Washington Texas View Map
77836 Caldwell Burleson Texas View Map
77837 Calvert Robertson Texas View Map
77838 Chriesman Burleson Texas View Map
77840 College Station Brazos Texas View Map
77841 College Station Brazos Texas View Map
77842 College Station Brazos Texas View Map
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77845 College Station Brazos Texas View Map
77850 Concord Leon Texas View Map
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77857 Gause Milam Texas View Map
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77861 Iola Grimes Texas View Map
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77864 Madisonville Madison Texas View Map
77865 Marquez Leon Texas View Map
77866 Millican Brazos Texas View Map
77867 Mumford Robertson Texas View Map
77868 Navasota Grimes Texas View Map
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77870 New Baden Robertson Texas View Map
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77875 Roans Prairie Grimes Texas View Map
77876 Shiro Grimes Texas View Map
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77880 Washington Washington Texas View Map
77881 Wellborn Brazos Texas View Map
77882 Wheelock Robertson Texas View Map
77901 Victoria Victoria Texas View Map
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77962 Ganado Jackson Texas View Map
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78021 Fowlerton La Salle Texas View Map
78022 George West Live Oak Texas View Map
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78025 Ingram Kerr Texas View Map
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78056 Mico Medina Texas View Map
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78061 Pearsall Frio Texas View Map
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78063 Pipe Creek Bandera Texas View Map
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78075 Whitsett Live Oak Texas View Map
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78133 Canyon Lake Comal Texas View Map
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78148 Universal City Bexar Texas View Map
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78159 Smiley Gonzales Texas View Map
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78161 Sutherland Springs Wilson Texas View Map
78162 Tuleta Bee Texas View Map
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78201 San Antonio Bexar Texas View Map
78202 San Antonio Bexar Texas View Map
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78207 San Antonio Bexar Texas View Map
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78216 San Antonio Bexar Texas View Map
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78218 San Antonio Bexar Texas View Map
78219 San Antonio Bexar Texas View Map
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78221 San Antonio Bexar Texas View Map
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78223 San Antonio Bexar Texas View Map
78224 San Antonio Bexar Texas View Map
78225 San Antonio Bexar Texas View Map
78226 San Antonio Bexar Texas View Map
78227 San Antonio Bexar Texas View Map
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78232 San Antonio Bexar Texas View Map
78233 San Antonio Bexar Texas View Map
78234 San Antonio Bexar Texas View Map
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78236 San Antonio Bexar Texas View Map
78237 San Antonio Bexar Texas View Map
78238 San Antonio Bexar Texas View Map
78239 San Antonio Bexar Texas View Map
78240 San Antonio Bexar Texas View Map
78241