Self Employed Mortgage Lenders Texas=NO Tax Returns!

TEXAS NO INCOME VERIFICATION MORTGAGE LENDERS 
TEXAS BANK STATEMENT ONLY MORTGAGE LENDERS DETAILS INCLUDE:

  • 1 Years Self Employed Required!
  • Texas Bank statement deposits used to qualify!
  • No tax returns needed to qualify!
  • 12 months personal bank statements (Personal and Business)
  • Loans up to $6 million
  • Credit scores down to 600
  • Up to 90% Loan to value!
  • DTI up to 55% considered
  • Owner-occupied, 2nd homes, and investment properties
  • 2 years seasoning for foreclosure, short sale, BK, DIL
  • Non-warrantable condos considered
  • Jumbo loans down to 600 score
  • 5/1 ARM or 30-year fixed
  • No pre-payment penalty for owner-occ and 2nd homes
  • SFRs, townhomes, condos, 2-4 units
  • Seller concessions to 6% (2% for investment)

We have emerged as the No Income Verification Texas mortgage lenders for providing No Income Check Mortgages for those Texas mortgage applicants that can provide income by using 12 or 24 months bank statements. The Stated Income No Income Verification program does exist for Texas self-employed for a minimum 2 years. The stated mortgage has specific requirements in order to get Texas mortgage approvals. The No Income Verification program is mostly designed for the self-employed borrower as an option for home financing. This program was created because some self-employed Texas mortgage applicants have a complex way of documenting income. As time has evolved the No Income check program has allowed individuals who are 1099 or retired to also obtain a Texas mortgage. Most Texas mortgage lenders across Texas require that borrowers provide income documentation to qualify for a Texas mortgage loan without income and do not offer no income verification mortgages no matter what the transaction is, either it is a purchase or a refinance.

Texas self employed  Bank Statement Mortgage Lenders + No Tax Return Mortgage Lenders 

Eligible Texas self employed  mortgage homes Types One Unit Single Family Residences (Attached and Detached), PUDs (Attached and Detached), Condos (Low and High Rise), Site Condo, Townhouse, 2-4 Unit Properties, Modular Homes, Hobby Farms, and Mixed-Use Properties. 

General Texas self employed  mortgage homes must be in average or better condition. Properties in C5 or C6 condition are not acceptable. Deferred maintenance is allowed subject to the requirements below. 

Texas self employed  Bank Statement Mortgage Lenders  Types 30 year Fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM, 5/1 ARM-IO, 7/1 ARM-IO, and 10/1 ARM-IO

All Properties Square Footage Minimum of 600 square feet of gross living area.

Minimum FICO The primary wage-earner score is used as the Representative Credit Score for each loan. Primary wage-earner may be an occupying or non-occupying co-Bank statement no tax return Texas self employed  mortgage applicants. The primary wage-earner must have a valid score from at least 2 of the following 3 agencies: Experian (FICO), Trans Union (Empirica), and Equifax (Beacon). Only scores from these agencies are acceptable. Additional co-Bank statement no tax return Texas self employed  mortgage applicants on the loan must have at least one valid score of 500 or greater. To determine the Representative Credit Score for the primary wage-earner, select the middle score when 3 agency scores are provided and the lower score when only 2 agency scores are provided

Employment All Bank statement no tax return Texas self employed  mortgage applicants must have a 2-year employment history. Bank statement no tax return Texas self employed  mortgage applicants should provide a signed, written letter of explanation for any employment gaps that exceed 30 days in the most recent 12 month period, or that exceed 60 days in months 13-24. Bank statement no tax return Texas self employed  mortgage applicants newly employed are allowed with documentation showing the Bank statement no tax return Texas self employed  mortgage applicants was previously in school or a training program and Bank statement no tax return Texas self employed  mortgage applicants is now employed in that line of work. 

Income Paystub(s) covering the most recent 30-day period providing year-to-date earnings at approval date. E.g. paid weekly = 4 paystubs, Bi-weekly/semi-monthly = 2 paystubs. Self-employed Two years personal and business tax returns with all schedules if Bank statement no tax return Texas self employed  mortgage applicants has 25% or greater ownership interest in the business. Personal and business tax returns must be validated through a 4506-T and 8821 when applicable. If tax transcripts are not available due to recent filing, a copy of the IRS notice showing “No record of return filed” is required in addition to the previous 2 years validated tax returns. Bank statement no tax return Texas self employed  mortgage applicants are qualified using the returns validated. A Liquidity Test is not required to qualify the Bank statement no tax return Texas self employed  mortgage applicants. Non-Salaried Two years documentation and evidence of at least 3 year continuance is required. Retirement Income requires a copy of the award letter and most recent 1099’s OR 3-months consecutive bank statements showing receipt of the income. Social Security income can be taxed up 25% or an amount that is prudent based on federal tax levels but not to exceed 25%. Documentation is required to show the income is non-taxable. Alimony and child support must be received at least 6-months to be used for qualifying. Rental Income Rental income from a 1-unit primary residence or second homes may not be used. Boarder income cannot be used. Note: If rental income from the subject Texas self employed  mortgage homes is not being used to qualify, the gross monthly rent must still be documented with appraisal forms 1007 and 216 for lender reporting purposes. The full PITIA on all rental properties must be considered in the debt ratio when rental income is not used to qualify. Subject Texas self employed  mortgage homes (2-4 unit primary residence) – use the income approach section from the appraisal and a copy of the current lease is required. If the Texas self employed  mortgage homes has been owned for at least 1 year, Bank statement no tax return Texas self employed  mortgage applicants to provide tax returns with at least a 12 month rental history. If the Texas self employed  mortgage homes has been owned less than 1 year, rental income is calculated per the income approach from the appraisal. Rental Income from other real estate owned – rental income from another Texas self employed  mortgage homes owned prior to loan application should be calculated using the Bank statement no tax return Texas self employed  mortgage applicants federal income tax returns for the most recent 12-month period (Cash Flow Analysis from Schedule E). Income should be averaged. Net rental losses should be included in ratios as a liability. For properties owned for less than 1 year, rental income should be calculated using the lesser of:  75% of the current lease minus the full PITIA; or  Cash flow analysis of the Schedule E from the most recent year’s federal income tax return (if applicable) Converting current residence into a rental: 75% of a lease minus the full PITIA may be used.

Assets Must be sourced/seasoned for 60 days. Deposit verification and seasoning of assets must be documented by two months bank statements. Marketable securities require a copy of the stock certificate. Retirement accounts require documentation verifying the lending terms of the account. All sources of funds must be owned by the Bank statement no tax return Texas self employed  mortgage applicants. All large deposits must be sourced per guidelines. Asset documentation must be dated within 30 days of application and 120 days of closing. Evidence of liquidation is required for all securities used for closing and real estate. Evidence of transfer of funds is required for all cash accounts. Gifts are acceptable provided minimum Bank statement no tax return Texas self employed  mortgage applicants investment requirements are met. Eligible Sources of Assets Acceptable sources of funds are bank deposits (checking/savings), marketable public traded securities (70% of account value), loans secured by Bank statement no tax return Texas self employed  mortgage applicants’s assets, sale of real estate, funds borrowed secured by real estate, trust funds (60% of Bank statement no tax return Texas self employed  mortgage applicants’s undistributed share), cash value/surrender value of life insurance (60% of the cash value), retirement accounts using 60% of available/vested balance (SEP-IRA, 401K), Bank statement no tax return Texas self employed  mortgage applicants’s real estate commission, business assets provided Bank statement no tax return Texas self employed  mortgage applicants is 100% owner of the business, depleting the assets from the business account will not have a negative impact on the viability and cash flow of the business. Ineligible Sources of Assets Cash-on-hand, Sweat equity, Gift or grant funds which must be repaid, Down payment assistance programs, Bridge loans, Unsecured loans or cash advances, Section 8 Voucher Assistance, Cryptocurrency (digital assets such as bitcoins) and Private Savings Club accounts.

Bank statement no tax return Texas self employed  mortgage applicants Investment/ Contribution Primary Residence – 5% own funds Second Home – 10% own funds A minimum Bank statement no tax return Texas self employed  mortgage applicants contribution of 10% is required on the following transactions:  Primary residence with unverifiable housing history  Loan amount over the FHFA Conforming Loan Limit  Limited tradelines

Debt Ratios (Primary Residence and Second Homes  Standard DTI to 43% available for Grade A, B and C  Expanded DTI to 50% available for Grade A and B Min FICO = 640  DTI to 50% available for 12-Month Bank Statements and 1-Year Documentation (W-2 or Tax Return) Min FICO = 620

Seller Concessions Up to 9% towards closing for Primary Residence and Second Homes (LTV ≤ 75%), 6% towards closing for Primary Residence and Second Homes (LTV > 75%);

Listed For Sale or Purchase To be eligible for either a rate/term or a cash-out refinance, the subject Texas self employed  mortgage homes must be taken off the market on or before application date, provide a letter of explanation for the MLS listing and statement of intent to retain the Texas self employed  mortgage homes for 12 months after closing. For cash-out transactions, if the subject Texas self employed  mortgage homes was listed for sale in the 6 months prior to application date, a 10% LTV reduction from the maximum available for the specific transaction is required. The lesser of the most recent list price or the current appraised value should be used to determine loan-to-value for both rate/term or cash-out transactions.

Bank Statement Income Loans utilizing bank statement documentation for income will not require a 4506-T form processed for transcripts. When a file has mixed income (W-2 wage earner income) combined with the bank statement income option, Texas self employed  no tax return mortgage lenders  must obtain a 4506-T and transcripts for the W-2 wage earner income only. See Texas self employed  no tax return mortgage lenders Guidelines for details. Please Note: Underwriter may condition for 4506-T tax transcripts to be signed and processed on a case by case basis. Bank Statement Documentation Self-employed Bank statement no tax return Texas self employed  mortgage applicants are eligible for either Personal Bank Statement Documentation or Business Bank Statement Documentation. The following restrictions apply to both documentation types:  Bank statement no tax return Texas self employed  mortgage applicants must be self-employed for at least 2years.  Business must be in existence for at least 2 years.  Standard Tradelines and a 12-month housing history are required.  Non-Permanent Resident Aliens and Foreign Nationals are ineligible. Exceptions are not permitted.  Foreign sources of income are ineligible.  For Personal Bank Statement qualifying, all parties listed on each bank account must be included as Bank statement no tax return Texas self employed  mortgage applicants on the loan. For Business Bank Statements where the Bank statement no tax return Texas self employed  mortgage applicants is not 100% owner of the business or another party appears on the business bank statements, refer to the guidelines for documenting the Bank statement no tax return Texas self employed  mortgage applicants’s percent ownership of the business.  Statements must be consecutive and reflect the most recent months available.  Statements must support stable and generally predictable deposits. Unusual deposits must be documented.  Evidence of a decline in earnings may result in disqualification.  More than 3 NSFs or overdrafts within the most recent 12 months require explanation, supporting documentation, and underwriter analysis for acceptability. Refer to guidelines for additional details. Note: Overdraft Protection Transfers are not considered an NSF.  If bank statements provided reflect payments being made on obligations not listed on the credit report, see Undisclosed Debts for additional guidance.  PayPal business account statements are ineligible. PayPal earnings must be deposited into a business or personal bank account for consideration.  W-2 Wages: Additional income deposited into the bank statements but derived from a source other than the self-employed business may not be included in the bank statement average. W-2 earnings must be documented as per the requirements in Wage-Earners along with a processed 4506-T verifying the W-2 earnings only. W-2 transcripts may be used in lieu of paper W-2s.  Rental Income: Obtain the most recent lease agreement(s) for rental properties and proof of receipt at the current lease rate using a cancelled check or bank statement. Calculate the qualifying rents by using 75% of the current lease minus the full PITIA.

Full Documentation Income Fully documented income requires 4506-T forms and processed transcripts for the income used to qualify. Note: If there are no transcript records available, Texas self employed  no tax return mortgage lenders  will accept a copy of the tax return, stamped or otherwise, and proof of receipt of the refund or a cancelled check/bank draft documenting the taxes were paid. The refund or check/bank draft must match the tax return exactly. See Texas self employed  no tax return mortgage lenders  for details.

Residual Income $1,500 plus an additional $150 per dependent is required for Primary Residence and Second Homes only. 

All Refinances All refinance transactions must have Net Tangible Benefit to Bank statement no tax return Texas self employed  mortgage applicants.

Cash-out Refinance For all cash-out refinance transactions: a signed letter from the Bank statement no tax return Texas self employed  mortgage applicants disclosing the purpose of the cash-out must be obtained. At least one Bank statement no tax return Texas self employed  mortgage applicants must have been on title a minimum of six (6) months prior to the new note date and a minimum of 6 months must have elapsed since the most recent mortgage transaction on the subject Texas self employed  mortgage homes (either the original purchase transaction or subsequent refinance). Note date to note date is used to calculate the 6 months. For cash-out refinance transactions where the Texas self employed  mortgage homes is currently vested in a trust or LLC, the Bank statement no tax return Texas self employed  mortgage applicants must have owned the Texas self employed  mortgage homes in the name of the trust or LLC for at least six (6) months prior to closing. Note: Properties removed from a Trust or LLC are not required to meet the seasoning requirements if the Texas self employed  mortgage homes moves from the Trust to the owner of Trust or the LLC to the owner of LLC. Minimum fifty-percent (50%) ownership of the LLC is required. There is no waiting period if the Bank statement no tax return Texas self employed  mortgage applicants was legally awarded the Texas self employed  mortgage homes through divorce, separation, or dissolution of a domestic partnership. 

Minimum Credit History – Primary Wage-earner Requirements Standard Credit: 3 tradelines reporting for 12+ months with activity in last 12 months OR 2 tradelines reporting for 24+ months with activity in last 12 months 0X60 for most recent 12 months Trade lines must meet the following: The credit line must be reflected on the Bank statement no tax return Texas self employed  mortgage applicants’s credit report  The account must have activity in the past 12-months and may be open or closed  Tradelines used to qualify may not exceed 0x60 in the most recent 12 months  An acceptable 12- or 24-month housing history not reporting on credit may also be used as a tradeline Credit lines on which the Bank statement no tax return Texas self employed  mortgage applicants is not obligated to make payments are not acceptable for establishing a minimum history. e.g., loans in a deferment period, collection or charged-off accounts, accounts discharged through bankruptcy, and authorized user accounts. 

Limited Tradelines Primary Residence and Second Homes only. No minimum tradeline requirements (Full Doc only) If the Bank statement no tax return Texas self employed  mortgage applicants does not meet the requirements for Standard Tradelines but still has a valid credit score, he or she may qualify under Limited Tradelines. The following requirements apply when qualifying with Limited Tradelines:  Primary residence and second homes only  10% minimum Bank statement no tax return Texas self employed  mortgage applicants contribution  Minimum 6-months reserves after closing  Full documentation of income (Bank Statement Documentation not allowed) When qualifying with Limited Tradelines, the lower of either the Representative Loan Score or a 580 score is used to qualify the Bank statement no tax return Texas self employed  mortgage applicants on the Non-Prime Matrix. The loan may be priced using the actual Representative Loan Score.

Disputed Tradelines Bank statement no tax return Texas self employed  mortgage applicants are not required to remove disputed tradelines from their credit report regardless of the number of accounts or the amounts. A disputed account is not a waiver of the debt from consideration in underwriting. Disputed accounts must meet the guideline requirements for collections and/or charge off status unless there is documentation provided of a bonafide dispute such as a police report due to fraud or theft.

Mortgage/Rental History See Grade Determination above. Mortgage and rental payments not reflected on the original credit report must be documented via an institutional Verification of Rent or Verification of Mortgage (VOR/VOM). A combined total of all late mortgage and rental payments in the past 12 months must be used to determine the housing history for all Bank statement no tax return Texas self employed  mortgage applicants. If the Bank statement no tax return Texas self employed  mortgage applicants is making payments to an individual or interested party, 12 months of cancelled checks or bank statements must be obtained. A VOR/VOM is not required but may be requested for clarification. All mortgages and rental payments should be current at time of closing. If the credit report or VOR/VOM reflects a past-due status, updated documentation is required to verify account is current. Bank statement no tax return Texas self employed  mortgage applicants with no housing history or less than 12 months housing history are permitted. Refer to Texas self employed  no tax return mortgage lenders  for full details. 

Late Payments Rolling Late Payments: Rolling late payments are not considered a single event. Each occurrence of a contractual delinquency is considered individually for loan eligibility. Past Due Accounts: Past due consumer debts can be no more than 30 days past due at time of closing unless the past due consumer debt will be paid off at closing. For mortgage late payment requirements refer to Mortgage/Rental History above.

Credit Grade C Credit Grade C: All mortgages and rental payments must be paid as agreed for the last 12 months, or since the date the Housing Event was cured (if Housing Event occurred less than 12 months ago). Mortgage and rental lates prior to the Housing Event are disregarded.

Bankruptcy For bankruptcy seasoning requirements, see Grade Determination above. A Chapter 13 bankruptcy may remain open after loan closing when all of the following requirements are met:  A minimum 12-month repayment period in the bankruptcy has elapsed  Bankruptcy plan payments for the last 12 months have been made on time  Bank statement no tax return Texas self employed  mortgage applicants has received written permission from bankruptcy court to enter into the transaction Note: Open Chapter 13 bankruptcy will be graded per the mortgage rating. If the bankruptcy has late payments within the last 12 months, they must be paid off and the loan must be graded as Credit Grade C.

Forbearance Due to FEMA Disaster Texas self employed  no tax return mortgage lenders  will permit forbearance only in cases of a FEMA Disaster Declaration. Documentation from the servicer must be obtained and the cause outside the disaster (i.e. loss of work, damage, etc.) must be cured and documented (i.e. back to work and able to meet ability-to-repay (ATR) requirements). 

Collections/ Charge Offs The following accounts may remain open:  Collections and charge-offs < 24 months old with a maximum cumulative balance of $2,000  Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence  Collections and charge-offs that have passed beyond the statute of limitation for that state (supporting documentation required)  All medical collections Collection and charge-off account balances remaining after the exclusions listed above may remain open when one of the following is met:  Bank statement no tax return Texas self employed  mortgage applicants has sufficient reserves to cover remaining collection and charge-off balances (in addition to the published reserve requirement); or  Payment for remaining collections and charge-offs included in DTI results in final DTI ≤ 50% (payment calculated at 5% of balance of remaining unpaid collections and charge-offs). A combination of the two options above is allowed. A portion of the unpaid collection balance can be included in the DTI while the remainder is covered by excess reserves. Collections and charge-offs that cannot be factored into DTI or reserves must be paid off. 

Judgments/Liens Judgments and tax liens must be paid off prior to or at closing, unless the requirements listed below are met. Adverse credit that will impact title must be paid in full as title must insure our lien position without exception. Court-ordered judgments may remain open when all of the following requirements are met:  A copy of the repayment agreement is obtained;  A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided; and  The maximum payment required under the plan is included in the debt-to-income ratio. Outstanding tax liens may remain open on purchase transactions only (additional LTV reductions may be required based on the size of the lien). All of the following requirements must be met:  A copy of the repayment agreement is obtained;  A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided;  The maximum payment required under the plan is included in the debt-to-income ratio; and The title company must provide written confirmation confirming (a) the title company is aware of the outstanding tax lien, and (b) there is no impact to first lien position. 

IRS Taxes Owed (No Lien) For IRS taxes owed and no lien is present all of the following requirements must be met:  A copy of the repayment agreement is obtained;  A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided;  The maximum payment required under the plan is included in the debt-to-income ratio. 

Cash Out Maximum Amounts: $250,000 Cash out may be used to pay off debt for qualifying. Cash out proceeds may not be used to meet reserve requirements.

Deferred Maintenance Texas self employed  no tax return mortgage lenders  permits appraisals to be based on the “as is” condition of the Texas self employed  mortgage homes provided existing conditions are minor and do not affect the safety, soundness, or structural integrity of the Texas self employed  mortgage homes, and the appraiser’s opinion of value reflects the existence of these conditions. Deferred maintenance is typically due to normal wear and tear from the aging process and the occupancy of the Texas self employed  mortgage homes. While such conditions generally do not rise to the level of a required repair, they must be reported. Examples of minor conditions and deferred maintenance include worn floor finishes or carpet, minor plumbing leaks, holes in window screens, or cracked window glass.

Texas self employed  mortgage homes Repairs All Texas self employed  mortgage homes repairs must be completed prior to closing with no exceptions. Escrow holdbacks are not permitted.

Second Homes Second homes are restricted to 1-unit dwellings. Second homes must be located a reasonable distance away from the Bank statement no tax return Texas self employed  mortgage applicants’s primary residence and must be available for Bank statement no tax return Texas self employed  mortgage applicants’s exclusive use. Bank statement no tax return Texas self employed  mortgage applicants may not own any other second homes in the same geographic market as the subject Texas self employed  mortgage homes. Second homes cannot be subject to rental pools or agreements requiring Texas self employed  mortgage homes to be rented and cannot be controlled by a management firm. Suitable for year-round occupancy.

Appraisal 1 Full appraisal required. Exterior and Interior inspection. Color photographs required. The Texas self employed  mortgage homes should conform to and be acceptable in the market area. The appraisal must include the actual size of the site and not a portion of the site.Appraisal Review – Due Diligence Texas self employed  Bank Statement Mortgage Lenders  Restrictions The Appraisal Review Process requires a secondary due diligence Texas self employed  Bank Statement Mortgage Lenders  to support the appraised value for the transaction. To utilize the Fannie Mae Collateral Underwriter (CU) score, all of the following must be met:  Loan amount < $1,000,000, and  CU Score ≤ 2.5 The following require a Desk Review (ineligible for CU):  Any loan where the LTV > 80%, or  CU Score > 2.5 The following require a Second Full Appraisal:  Loan amount ≥ $1,000,000  HPML Texas self employed  mortgage homes Flip Transactions  HPML New Construction Properties with one or more title transfers within 180 days of the purchase contract date or any title transfer after the purchase contract date. Please note: title transfers from a builder to a wholly owned subsidiary of the builder are considered a “change of ownership” and require a Second Full Appraisal. When two appraisals are required, the lower of the two values must be used to determine value. The following requires a Texas self employed  no tax return mortgage lenders  Capital Management (CCM) review:  Appraised value ≥ $1,500,000. When two appraisals are present the lowest value is used. Desk Reviews, Field Reviews, and Second Full Appraisals, when required, must be ordered from a Texas self employed  no tax return mortgage lenders -approved AMC. A Second Full Appraisal must be completed by a different AMC and a different, independent appraiser than the first appraisal. Texas self employed  no tax return mortgage lenders  reserves the right to request additional appraisal Texas self employed  Bank Statement Mortgage Lenders s at our discretion based on review of the appraisal and loan file. 

Condominiums All condominiums must have a valid project review along with a completed Texas self employed  no tax return mortgage lenders  Homeowners’ Association Certification (InterIsland HOA Questionnaire). ATTACHED CONDOS: Appraisal must contain 2 comparable sales from subject’s project in addition to the current comparable sale requirements. See the Texas self employed  no tax return mortgage lenders    for condominium specifications.

Ineligible Texas self employed  mortgage homes Types Investment Properties, Co-ops, Condotels, Non-Warrantable Condominiums, Manufactured, Unique Properties, Leaseholds, Rural Properties, Log Homes, Agriculturally Zoned, Working or income producing Farms, Properties with active oil, gas, or mineral drilling, excavation, etc., Builder Model Leaseback, NonConforming zoning regulations that prohibit rebuilding, Hawaiian properties in lava zones 1 and 2, and State-approved medical marijuana producing properties. 

Mixed Use Properties Texas self employed  no tax return mortgage lenders  will allow for mortgages that are secured by properties that have a business use in addition to their residential use, such as a Texas self employed  mortgage homes with space set aside for a day care facility, a beauty or barber shop, or a doctor’s office. The following special eligibility criteria must be met:  The Texas self employed  mortgage homes must be a one-unit dwelling that the Bank statement no tax return Texas self employed  mortgage applicants occupies as a principal residence.  The Bank statement no tax return Texas self employed  mortgage applicants must be both the owner and the operator of the business.  The Texas self employed  mortgage homes must be primarily residential in nature.  The dwelling may not be modified in a manner that has an adverse impact on its marketability as a residential Texas self employed  mortgage homes. The appraisal requirements for mixed-use properties must:  provide a detailed description of the mixed-use characteristics of the subject Texas self employed  mortgage homes;  indicate that the mixed use of the Texas self employed  mortgage homes is a legal, permissible use of the Texas self employed  mortgage homes under the local zoning requirements;  report any adverse impact on marketability and market resistance to the commercial use of the Texas self employed  mortgage homes;  report the market value of the Texas self employed  mortgage homes based on the residential characteristics, rather than of the business use or any special business-use modifications that were made;  report that no modifications have been made that would adversely affect marketability A confirmation of the appraiser’s review will be performed by a Due Diligence (DD) firm. If the DD firm disagrees with the appraiser, DD findings will take priority over appraiser findings.

Rural Texas self employed  mortgage homes Determination Rural properties are ineligible. Properties are considered rural if:  The Zip Code is contained in Exhibit A of the Guidelines, or  The appraiser indicates the subject Location as Rural in the Neighborhood section of the appraisal report. 

Texas self employed  mortgage homes Flipping Title transfers within 180 days are subject to additional requirements. See the NO tax return bank statement mortgage lenders Guidelines for specifications.

Resale/Deed Restrictions Communities where the minimum age requirement is 55 are permitted.

Maximum Number of Financed Properties There is no limit on the number of other properties Bank statement no tax return Texas self employed  mortgage applicants may currently have financed. Second homes require 2 months additional reserves for each additional financed Texas self employed  mortgage homes. Additional reserves are not required when the subject Texas self employed  mortgage homes is a primary residence. See Texas self employed  no tax return mortgage lenders    for additional requirements. 

Maximum Acreage Primary & Second Homes; maximum 10 acres

General Refinance Requirements Rate/term refinance and cash-out refinance transactions are allowed. Determining Loan-to-Value If the subject Texas self employed  mortgage homes was purchased ˃ 12-months from application date, the appraised value must be used to determine loan-to-value. If the Texas self employed  mortgage homes was purchased ≤ 12-months from application date, the lesser of the current appraisal value or previous purchase price plus documented improvements (if any) must be used. The purchase settlement statement and any invoices for materials/labor will be required. Refinances of Short Payoffs are only acceptable for Texas self employed  no tax return mortgage lenders  to Texas self employed  no tax return mortgage lenders  (Stanwich Portfolio) transactions. 

Rate & Term Refi / Limited Cash Out No seasoning of first mortgage (no minimum number of payments required on current mortgage). If owned less than 12 months (recorded transfer date to application date of the new loan), the LTV is be based on lower of appraised value or the original sales price. If owned more than 12 months, (recorded date to application date of new loan), the LTV is based on the current appraised value. Maximum cash in hand is the lessor of 2% of the principal of the new loan amount or $2000. HUD-1 settlement statements required from any transaction within past 6 months. If previous transaction was cash-out or if it combined a first and non-purchase money subordinate into a new first, loan to be coded cash out. If new transaction combines a 1st and non-purchase money 2nd into a new 1st loan, it is considered cash out. Must demonstrate there is a Benefit to the Bank statement no tax return Texas self employed  mortgage applicants by utilizing the Texas self employed  no tax return mortgage lenders  benefit to Bank statement no tax return Texas self employed  mortgage applicants form currently in use through Encompass for refinance transactions. 

Gifts Gift funds are acceptable on primary residence and second homes transactions once the Bank statement no tax return Texas self employed  mortgage applicants has met the minimum 5% investment (Primary Residence) or 10% (Second Home). Gift funds are not acceptable for reserves. The donor must be an immediate family member (spouse, child, dependent, parent, sibling, blood relative), future spouse, or domestic partner living with the Bank statement no tax return Texas self employed  mortgage applicants. The donor may not have any affiliation with a party to the transaction. A signed gift letter is required and must include the amount of the gift, the donor’s name, address, telephone number and relationship to Bank statement no tax return Texas self employed  mortgage applicants. Proof of donor’s ability to give and transfer of the gift funds/evidence of receipt is required.

Minimum Reserves Net proceeds from cash-out transactions may not be used to meet the reserve requirement. Reserves must come from Bank statement no tax return Texas self employed  mortgage applicants own funds. Subject Texas self employed  mortgage homes reserve requirement – refer to the above LTV, Additional Program overlays and requirements sections. Second Homes Only: Minimum 6 months; 2 months of additional reserves required for each financed Texas self employed  mortgage homes; no limit on the number of properties Bank statement no tax return Texas self employed  mortgage applicants may have financed. Multiple Financed Properties: 2 months for each additional Texas self employed  mortgage homes when the subject is a Second Home. Use of Rental Income Without a Lease: 3 months in addition to standard requirement No Housing History or Less Than 12 months Verified: 6 months For files that have more than the required 3 month reserves (e.g. > $750K loan amounts) the reserve requirement can be reduced to 3 months when all of the following requirements are met:  Primary occupancy; and  LTV ≥ 10% below the maximum available for the transaction; and  DTI ≤ 43%. Note: at no time will a file have less than 3 months reserves.

Qualifying Reserves on ARM Loans Reserves on ARM loans must be determined based on the on the Fully Indexed Rate. Reserves are measured by the number of months of the qualifying payment amount for the subject mortgage (based on PITIA) that a Bank statement no tax return Texas self employed  mortgage applicants could pay using his or her financial assets. Ineligible Reserves Cash-on-hand, Cash-out proceeds, Sweat equity, Gift or grant funds which must be repaid, Down payment assistance programs, Bridge loans, Unsecured loans or cash advances, and Section 8 Voucher Assistance Debt Ratio See Grade Determination Above Retaining current Residence If subject is an owner occupied purchase transaction and Bank statement no tax return Texas self employed  mortgage applicants’s current residence is pending sale, both the current and proposed housing payments are used to qualify. Non-Taxable Income Must verify and document source of income is non-taxable. Documentation includes award letters, policy agreements, account statements or any other documents that address the non-taxable status of the income. All disclosed, non-taxable income must be grossed-up 125% even if not being used for qualification. Manual Underwrite Only All loans are manually underwritten. AUS is not permitted. 

Seller Contribution/ Sale Concessions Maximum seller contribution up to maximum 9% for LTV ≤ 75% and 6% for LTV > 75%: for primary residence and second homes. Sales concessions exceeding the seller contribution limits must be deducted from the sales price before calculating the LTV/CLTV. Financing concessions are not allowed.

GENERAL Age of Documents Credit Report 60 days; Title Report 60 days; Appraisal 120 days; Closing Protection Letter (CPL) 60 Days Loan Terms Available 30 year Fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM, 5/1 ARM-IO, 7/1 ARM-IO, and 10/1 ARM-IO Escrow Waivers All States excluding DC: Not Permitted DC loans: Texas self employed  mortgage homes tax and/or insurance escrows may be waived if the LTV is 80% or lower. HPML loans: escrows may not be waived regardless of LTV. Assumptions Not Permitted High-Cost HOEPA Section 32 (Fed/State) Not permitted. States may impose different definitions of points and fees, rate, or APR than apply under HOEPA. States may also use different triggers in each category for determining whether a loan will be a “high-cost mortgage” (or equivalent terms) under state law. Texas self employed  no tax return mortgage lenders  does not originate loans defined as high-cost mortgages (or equivalent terms) under Federal or state law, regardless of the basis for the loan’s treatment as such. HPML/ Section 35 loans HPML loans (Section 35) are permitted. Federal Section 35 High Priced Test (allowed if all 4 items below are met): 1. Loan is Impounded (escrows) 2. No Pre Payment Penalty 3. Ability to Repay has been verified 4. Full Appraisal Done on the Texas self employed  mortgage homes HPML flip transactions require a second appraisal from a different certified or state licensed appraiser. Refer to the Texas self employed  no tax return mortgage lenders for additional information. QM Fees Limited to the Section 32 5% Limit Ineligible States All loans: North Dakota; Massachusetts (Correspondent loans are eligible for Massachusetts and North Dakota). Interest Only loans not permitted in West Virginia. Illinois Anti-Predatory Lending Databases Primary Residence: Completion of the Illinois Anti-Predatory Lending Databases is required for subject properties in Cook, Kane, Peoria, and Will counties. A Certificate of Exemption or Certificate of Compliance is required to record the loan. Retail Loans Only: Interest Only loans not permitted in Illinois in Cook, Kane, Peoria, and Will counties. Maryland HPML Attestation In compliance with Maryland Mortgage Statute 09.03.06.20 – Duty of Care, Brokers must provide an executed HPML Attestation for HPML loans with a subject Texas self employed  mortgage homes in the state of Maryland. New York Loans Primary Residence and Second Homes: Loans require a minimum loan size of “Conforming Balance plus $1”. NY CEMA Loans are permitted (NY CEMA not eligible for Texas self employed  no tax return mortgage lenders  Correspondent channel) Ability to Repay (ATR) Fully Compliant (DTI>43% program follows all other ATR requirements)  Fully Documented Income  Full Appraisal  Escrows required  No Prepayment Penalty Documenting Business Bank Ownership Generally, the parties on the business bank accounts should be the same parties on the loan request. If a party appears on a business bank account but is not a Bank statement no tax return Texas self employed  mortgage applicants on the loan, business records must be provided to prove the Bank statement no tax return Texas self employed  mortgage applicants’s percentage of ownership and entitlement to profits. Examples of acceptable documentation include: Articles of Incorporation with stock ownership breakdown, the business’s Operating Agreement, a Corporate Resolution, or letter from the company’s tax preparer. Qualifying income must be multiplied by the percentage of profits that the Bank statement no tax return Texas self employed  mortgage applicants is entitled to. 

Eligible Bank statement no tax return Texas self employed  mortgage applicants U.S. Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens. Permanent Resident Aliens must provide proof of lawful residence, green card and permanent right to work in the U.S. Non-Permanent Resident Aliens must provide proof of lawful residency, work authorization, and an unexpired, valid visa with at least three years left to work in the U.S. All qualifying Bank statement no tax return Texas self employed  mortgage applicants must have a documented 2 year consecutive work history in the U.S. Texas self employed  no tax return mortgage lenders  limits the maximum number of Bank statement no tax return Texas self employed  mortgage applicants on one loan to eight (8). Ineligible Bank statement no tax return Texas self employed  mortgage applicants Foreign Nationals, Deferred Action for Childhood Arrivals (DACA – EAD Category C33), Bank statement no tax return Texas self employed  mortgage applicants with Diplomatic Immunity, Non-Permanent Resident Aliens who do not have a green card or a valid visa, Bank statement no tax return Texas self employed  mortgage applicants without a credit score, Bank statement no tax return Texas self employed  mortgage applicants who are not natural persons (i.e.: Corporation and Partnership), Bank statement no tax return Texas self employed  mortgage applicants holding title in the name of a trust, Bank statement no tax return Texas self employed  mortgage applicants with more than 5 Texas self employed  no tax return mortgage lenders  financed properties, including the subject Texas self employed  mortgage homes. First Time Homebuyers Verification of 12 months’ rent required via cancelled checks or bank statements. 6 months reserves from Bank statement no tax return Texas self employed  mortgage applicants’s own funds required. Minimum FICO >= 620 Power of Attorney Texas self employed  no tax return mortgage lenders  will permit a Limited Power of Attorney (POA) when the following requirements are met: POA is specific to the transaction, recorded with the Mortgage/Deed of Trust, contains an expiration date, used only to execute the final loan documents, Bank statement no tax return Texas self employed  mortgage applicants who executed the POA signed the initial 1003, no interested party to the transaction (such as Texas self employed  mortgage homes seller, broker, loan officer, realtor, etc.) may act as Power of Attorney, not permitted on cash-out transactions, and not permitted on Texas Home Equity transactions. 

Texas Zip Code Map City Zip Code County
Texas View Map Aus 73301 Travis
Texas View Map Aus 73344 Travis
Texas View Map Addison 75001 Dallas
Texas View Map Allen 75002 Collin
Texas View Map Carrollton 75006 Dallas
Texas View Map Carrollton 75007 Denton
Texas View Map Celina 75009 Collin
Texas View Map Carrollton 75010 Denton
Texas View Map Carrollton 75011 Dallas
Texas View Map Allen 75013 Collin
Texas View Map Irving 75014 Dallas
Texas View Map Irving 75015 Dallas
Texas View Map Irving 75016 Dallas
Texas View Map Irving 75017 Dallas
Texas View Map Coppell 75019 Dallas
Texas View Map Denison 75020 Grayson
Texas View Map Denison 75021 Grayson
Texas View Map Flower Mound 75022 Denton
Texas View Map Plano 75023 Collin
Texas View Map Plano 75024 Collin
Texas View Map Plano 75025 Collin
Texas View Map Plano 75026 Collin
Texas View Map Flower Mound 75027 Denton
Texas View Map Flower Mound 75028 Denton
Texas View Map Lewisville 75029 Denton
Texas View Map Rowlett 75030 Dallas
Texas View Map Rockwall 75032 Rockwall
Texas View Map Frisco 75034 Denton
Texas View Map Frisco 75035 Collin
Texas View Map Irving 75037 Dallas
Texas View Map Irving 75038 Dallas
Texas View Map Irving 75039 Dallas
Texas View Map Garland 75040 Dallas
Texas View Map Garland 75041 Dallas
Texas View Map Garland 75042 Dallas
Texas View Map Garland 75043 Dallas
Texas View Map Garland 75044 Dallas
Texas View Map Garland 75045 Dallas
Texas View Map Garland 75046 Dallas
Texas View Map Garland 75047 Dallas
Texas View Map Sachse 75048 Dallas
Texas View Map Garland 75049 Dallas
Texas View Map Grand Prairie 75050 Dallas
Texas View Map Grand Prairie 75051 Dallas
Texas View Map Grand Prairie 75052 Dallas
Texas View Map Grand Prairie 75053 Dallas
Texas View Map Grand Prairie 75054 Dallas
Texas View Map The Colony 75056 Denton
Texas View Map Lewisville 75057 Denton
Texas View Map Gunter 75058 Grayson
Texas View Map Irving 75060 Dallas
Texas View Map Irving 75061 Dallas
Texas View Map Irving 75062 Dallas
Texas View Map Irving 75063 Dallas
Texas View Map Lake Dallas 75065 Denton
Texas View Map Lewisville 75067 Denton
Texas View Map Little Elm 75068 Denton
Texas View Map Mckinney 75069 Collin
Texas View Map Mckinney 75070 Collin
Texas View Map Mckinney 75071 Collin
Texas View Map Plano 75074 Collin
Texas View Map Plano 75075 Collin
Texas View Map Pottsboro 75076 Grayson
Texas View Map Lewisville 75077 Denton
Texas View Map Prosper 75078 Collin
Texas View Map Richardson 75080 Dallas
Texas View Map Richardson 75081 Dallas
Texas View Map Richardson 75082 Dallas
Texas View Map Richardson 75083 Dallas
Texas View Map Richardson 75085 Dallas
Texas View Map Plano 75086 Collin
Texas View Map Rockwall 75087 Rockwall
Texas View Map Rowlett 75088 Dallas
Texas View Map Rowlett 75089 Dallas
Texas View Map Sherman 75090 Grayson
Texas View Map Sherman 75091 Grayson
Texas View Map Sherman 75092 Grayson
Texas View Map Plano 75093 Collin
Texas View Map Plano 75094 Collin
Texas View Map Weston 75097 Collin
Texas View Map Wylie 75098 Collin
Texas View Map Coppell 75099 Dallas
Texas View Map Bardwell 75101 Ellis
Texas View Map Barry 75102 Navarro
Texas View Map Canton 75103 Van Zandt
Texas View Map Cedar Hill 75104 Dallas
Texas View Map Chatfield 75105 Navarro
Texas View Map Cedar Hill 75106 Dallas
Texas View Map Corsicana 75109 Navarro
Texas View Map Corsicana 75110 Navarro
Texas View Map Crandall 75114 Kaufman
Texas View Map Desoto 75115 Dallas
Texas View Map Duncanville 75116 Dallas
Texas View Map Edgewood 75117 Van Zandt
Texas View Map Elmo 75118 Kaufman
Texas View Map Ennis 75119 Ellis
Texas View Map Ennis 75120 Ellis
Texas View Map Copeville 75121 Collin
Texas View Map Desoto 75123 Dallas
Texas View Map Eustace 75124 Henderson
Texas View Map Ferris 75125 Ellis
Texas View Map Forney 75126 Kaufman
Texas View Map Fruitvale 75127 Van Zandt
Texas View Map Fate 75132 Rockwall
Texas View Map Lancaster 75134 Dallas
Texas View Map Caddo Mills 75135 Hunt
Texas View Map Duncanville 75137 Dallas
Texas View Map Duncanville 75138 Dallas
Texas View Map Grand Saline 75140 Van Zandt
Texas View Map Hutchins 75141 Dallas
Texas View Map Kaufman 75142 Kaufman
Texas View Map Kemp 75143 Kaufman
Texas View Map Kerens 75144 Navarro
Texas View Map Lancaster 75146 Dallas
Texas View Map Mabank 75147 Kaufman
Texas View Map Malakoff 75148 Henderson
Texas View Map Mesquite 75149 Dallas
Texas View Map Mesquite 75150 Dallas
Texas View Map Corsicana 75151 Navarro
Texas View Map Palmer 75152 Ellis
Texas View Map Powell 75153 Navarro
Texas View Map Red Oak 75154 Ellis
Texas View Map Rice 75155 Navarro
Texas View Map Mabank 75156 Henderson
Texas View Map Rosser 75157 Kaufman
Texas View Map Scurry 75158 Kaufman
Texas View Map Seagoville 75159 Dallas
Texas View Map Terrell 75160 Kaufman
Texas View Map Terrell 75161 Kaufman
Texas View Map Trinidad 75163 Henderson
Texas View Map Josephine 75164 Collin
Texas View Map Waxahachie 75165 Ellis
Texas View Map Lavon 75166 Collin
Texas View Map Waxahachie 75167 Ellis
Texas View Map Waxahachie 75168 Ellis
Texas View Map Wills Point 75169 Van Zandt
Texas View Map Wilmer 75172 Dallas
Texas View Map Nevada 75173 Collin
Texas View Map Mesquite 75180 Dallas
Texas View Map Mesquite 75181 Dallas
Texas View Map Sunnyvale 75182 Dallas
Texas View Map Mesquite 75185 Dallas
Texas View Map Mesquite 75187 Dallas
Texas View Map Royse City 75189 Rockwall
Texas View Map Dallas 75201 Dallas
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Texas View Map Dallas 75398 Dallas
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Texas View Map Greenville 75402 Hunt
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Texas View Map Princeton 75407 Collin
Texas View Map Anna 75409 Collin
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Texas View Map Bagwell 75412 Red River
Texas View Map Bailey 75413 Fannin
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Texas View Map Enloe 75441 Delta
Texas View Map Farmersville 75442 Collin
Texas View Map Gober 75443 Fannin
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Texas View Map Honey Grove 75446 Fannin
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Texas View Map Pickton 75471 Hopkins
Texas View Map Point 75472 Rains
Texas View Map Powderly 75473 Lamar
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Texas View Map Saltillo 75478 Hopkins
Texas View Map Savoy 75479 Fannin
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Texas View Map Sulphur Bluff 75481 Hopkins
Texas View Map Sulphur Springs 75482 Hopkins
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Texas View Map Westminster 75485 Collin
Texas View Map Sumner 75486 Lamar
Texas View Map Talco 75487 Franklin
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Texas View Map Whitewright 75491 Grayson
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Texas View Map Winnsboro 75494 Wood
Texas View Map Van Alstyne 75495 Grayson
Texas View Map Wolfe City 75496 Hunt
Texas View Map Yantis 75497 Wood
Texas View Map Texarkana 75501 Bowie
Texas View Map Texarkana 75503 Bowie
Texas View Map Texarkana 75504 Bowie
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Texas View Map Atlanta 75551 Cass
Texas View Map Avery 75554 Red River
Texas View Map Bivins 75555 Cass
Texas View Map Bloomburg 75556 Cass
Texas View Map Cookville 75558 Titus
Texas View Map De Kalb 75559 Bowie
Texas View Map Douglassville 75560 Cass
Texas View Map Hooks 75561 Bowie
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Texas View Map Linden 75563 Cass
Texas View Map Lodi 75564 Marion
Texas View Map Mc Leod 75565 Cass
Texas View Map Marietta 75566 Cass
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Texas View Map Naples 75568 Morris
Texas View Map Nash 75569 Bowie
Texas View Map New Boston 75570 Bowie
Texas View Map Omaha 75571 Morris
Texas View Map Queen City 75572 Cass
Texas View Map Redwater 75573 Bowie
Texas View Map Simms 75574 Bowie
Texas View Map Texarkana 75599 Bowie
Texas View Map Longview 75601 Gregg
Texas View Map Longview 75602 Gregg
Texas View Map Longview 75603 Gregg
Texas View Map Longview 75604 Gregg
Texas View Map Longview 75605 Gregg
Texas View Map Longview 75606 Gregg
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Texas View Map Avinger 75630 Cass
Texas View Map Beckville 75631 Panola
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Texas View Map Cason 75636 Morris
Texas View Map Clayton 75637 Panola
Texas View Map Daingerfield 75638 Morris
Texas View Map De Berry 75639 Panola
Texas View Map Diana 75640 Upshur
Texas View Map Easton 75641 Gregg
Texas View Map Elysian Fields 75642 Harrison
Texas View Map Gary 75643 Panola
Texas View Map Gilmer 75644 Upshur
Texas View Map Gilmer 75645 Upshur
Texas View Map Gladewater 75647 Gregg
Texas View Map Hallsville 75650 Harrison
Texas View Map Harleton 75651 Harrison
Texas View Map Henderson 75652 Rusk
Texas View Map Henderson 75653 Rusk
Texas View Map Henderson 75654 Rusk
Texas View Map Hughes Springs 75656 Cass
Texas View Map Jefferson 75657 Marion
Texas View Map Joinerville 75658 Rusk
Texas View Map Jonesville 75659 Harrison
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Texas View Map Karnack 75661 Harrison
Texas View Map Kilgore 75662 Gregg
Texas View Map Kilgore 75663 Gregg
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Texas View Map Marshall 75671 Harrison
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Texas View Map Mount Enterprise 75681 Rusk
Texas View Map New London 75682 Rusk
Texas View Map Ore City 75683 Upshur
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Texas View Map Pittsburg 75686 Camp
Texas View Map Price 75687 Rusk
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Texas View Map Selman City 75689 Rusk
Texas View Map Tatum 75691 Rusk
Texas View Map Waskom 75692 Harrison
Texas View Map White Oak 75693 Gregg
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Texas View Map Tyler 75702 Smith
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Texas View Map Tyler 75705 Smith
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Texas View Map Tyler 75713 Smith
Texas View Map Arp 75750 Smith
Texas View Map Athens 75751 Henderson
Texas View Map Athens 75752 Henderson
Texas View Map Ben Wheeler 75754 Van Zandt
Texas View Map Big Sandy 75755 Upshur
Texas View Map Brownsboro 75756 Henderson
Texas View Map Bullard 75757 Smith
Texas View Map Chandler 75758 Henderson
Texas View Map Cuney 75759 Cherokee
Texas View Map Cushing 75760 Nacogdoches
Texas View Map Flint 75762 Smith
Texas View Map Frankston 75763 Anderson
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Texas View Map Jacksonville 75766 Cherokee
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Texas View Map Lindale 75771 Smith
Texas View Map Maydelle 75772 Cherokee
Texas View Map Mineola 75773 Wood
Texas View Map Murchison 75778 Henderson
Texas View Map Neches 75779 Anderson
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Texas View Map Troup 75789 Smith
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Texas View Map Whitehouse 75791 Smith
Texas View Map Winona 75792 Smith
Texas View Map Big Sandy 75797 Upshur
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Texas View Map Buffalo 75831 Leon
Texas View Map Cayuga 75832 Anderson
Texas View Map Centerville 75833 Leon
Texas View Map Centralia 75834 Trinity
Texas View Map Crockett 75835 Houston
Texas View Map Donie 75838 Freestone
Texas View Map Elkhart 75839 Anderson
Texas View Map Fairfield 75840 Freestone
Texas View Map Grapeland 75844 Houston
Texas View Map Groveton 75845 Trinity
Texas View Map Jewett 75846 Leon
Texas View Map Kennard 75847 Houston
Texas View Map Kirvin 75848 Freestone
Texas View Map Latexo 75849 Houston
Texas View Map Leona 75850 Leon
Texas View Map Lovelady 75851 Houston
Texas View Map Midway 75852 Madison
Texas View Map Montalba 75853 Anderson
Texas View Map Oakwood 75855 Leon
Texas View Map Pennington 75856 Trinity
Texas View Map Ratcliff 75858 Houston
Texas View Map Streetman 75859 Freestone
Texas View Map Teague 75860 Freestone
Texas View Map Tennessee Colony 75861 Anderson
Texas View Map Trinity 75862 Trinity
Texas View Map Woodlake 75865 Trinity
Texas View Map Tennessee Colony 75880 Anderson
Texas View Map Palese 75882 Anderson
Texas View Map Tennessee Colony 75884 Anderson
Texas View Map Tennessee Colony 75886 Anderson
Texas View Map Lufkin 75901 Angelina
Texas View Map Lufkin 75902 Angelina
Texas View Map Lufkin 75903 Angelina
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Texas View Map Apple Springs 75926 Trinity
Texas View Map Bon Wier 75928 Newton
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Texas View Map Call 75933 Newton
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Texas View Map Center 75935 Shelby
Texas View Map Chester 75936 Tyler
Texas View Map Chireno 75937 Nacogdoches
Texas View Map Colmesneil 75938 Tyler
Texas View Map Corrigan 75939 Polk
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Texas View Map Doucette 75942 Tyler
Texas View Map Douglass 75943 Nacogdoches
Texas View Map Etoile 75944 Nacogdoches
Texas View Map Garrison 75946 Nacogdoches
Texas View Map Hemphill 75948 Sabine
Texas View Map Hungton 75949 Angelina
Texas View Map Jasper 75951 Jasper
Texas View Map Joaquin 75954 Shelby
Texas View Map Kirbyville 75956 Jasper
Texas View Map Marsville 75958 Nacogdoches
Texas View Map Milam 75959 Sabine
Texas View Map Moscow 75960 Polk
Texas View Map Nacogdoches 75961 Nacogdoches
Texas View Map Nacogdoches 75962 Nacogdoches
Texas View Map Nacogdoches 75963 Nacogdoches
Texas View Map Nacogdoches 75964 Nacogdoches
Texas View Map Nacogdoches 75965 Nacogdoches
Texas View Map Newton 75966 Newton
Texas View Map Pineland 75968 Sabine
Texas View Map Pollok 75969 Angelina
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Texas View Map Woodville 75979 Tyler
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Texas View Map Arlington 76001 Tarrant
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Texas View Map Aledo 76008 Parker
Texas View Map Alvarado 76009 Johnson
Texas View Map Arlington 76010 Tarrant
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Texas View Map Arlington 76012 Tarrant
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Texas View Map Arlington 76014 Tarrant
Texas View Map Arlington 76015 Tarrant
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Texas View Map Arlington 76017 Tarrant
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Texas View Map Azle 76020 Tarrant
Texas View Map Bedford 76021 Tarrant
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Texas View Map Boyd 76023 Wise
Texas View Map Burleson 76028 Johnson
Texas View Map Cleburne 76031 Johnson
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Texas View Map Colleyville 76034 Tarrant
Texas View Map Cresson 76035 Hood
Texas View Map Crowley 76036 Tarrant
Texas View Map Euless 76039 Tarrant
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Texas View Map Glen Rose 76043 Somervell
Texas View Map Godley 76044 Johnson
Texas View Map Granbury 76048 Hood
Texas View Map Granbury 76049 Hood
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Texas View Map Grapevine 76051 Tarrant
Texas View Map Haslet 76052 Tarrant
Texas View Map Hurst 76053 Tarrant
Texas View Map Hurst 76054 Tarrant
Texas View Map Itasca 76055 Hill
Texas View Map Joshua 76058 Johnson
Texas View Map Keene 76059 Johnson
Texas View Map Kennedale 76060 Tarrant
Texas View Map Lillian 76061 Johnson
Texas View Map Mansfield 76063 Tarrant
Texas View Map Maypearl 76064 Ellis
Texas View Map Midlothian 76065 Ellis
Texas View Map Millsap 76066 Parker
Texas View Map Mineral Wells 76067 Palo Pinto
Texas View Map Mineral Wells 76068 Palo Pinto
Texas View Map Nemo 76070 Somervell
Texas View Map Newark 76071 Wise
Texas View Map Paradise 76073 Wise
Texas View Map Rainbow 76077 Somervell
Texas View Map Rhome 76078 Wise
Texas View Map Springtown 76082 Parker
Texas View Map Venus 76084 Johnson
Texas View Map Weatherford 76085 Parker
Texas View Map Weatherford 76086 Parker
Texas View Map Weatherford 76087 Parker
Texas View Map Weatherford 76088 Parker
Texas View Map Southlake 76092 Tarrant
Texas View Map Rio Vista 76093 Johnson
Texas View Map Arlington 76094 Tarrant
Texas View Map Bedford 76095 Tarrant
Texas View Map Arlington 76096 Tarrant
Texas View Map Burleson 76097 Johnson
Texas View Map Azle 76098 Parker
Texas View Map Grapevine 76099 Tarrant
Texas View Map Fort Worth 76101 Tarrant
Texas View Map Fort Worth 76102 Tarrant
Texas View Map Fort Worth 76103 Tarrant
Texas View Map Fort Worth 76104 Tarrant
Texas View Map Fort Worth 76105 Tarrant
Texas View Map Fort Worth 76106 Tarrant
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Texas View Map Fort Worth 76108 Tarrant
Texas View Map Fort Worth 76109 Tarrant
Texas View Map Fort Worth 76110 Tarrant
Texas View Map Fort Worth 76111 Tarrant
Texas View Map Fort Worth 76112 Tarrant
Texas View Map Fort Worth 76113 Tarrant
Texas View Map Fort Worth 76114 Tarrant
Texas View Map Fort Worth 76115 Tarrant
Texas View Map Fort Worth 76116 Tarrant
Texas View Map Haltom City 76117 Tarrant
Texas View Map Fort Worth 76118 Tarrant
Texas View Map Fort Worth 76119 Tarrant
Texas View Map Fort Worth 76120 Tarrant
Texas View Map Fort Worth 76121 Tarrant
Texas View Map Fort Worth 76122 Tarrant
Texas View Map Fort Worth 76123 Tarrant
Texas View Map Fort Worth 76124 Tarrant
Texas View Map Fort Worth 76126 Tarrant
Texas View Map Naval Air Station/ Jrb 76127 Tarrant
Texas View Map Fort Worth 76129 Tarrant
Texas View Map Fort Worth 76130 Tarrant
Texas View Map Fort Worth 76131 Tarrant
Texas View Map Fort Worth 76132 Tarrant
Texas View Map Fort Worth 76133 Tarrant
Texas View Map Fort Worth 76134 Tarrant
Texas View Map Fort Worth 76135 Tarrant
Texas View Map Fort Worth 76136 Tarrant
Texas View Map Fort Worth 76137 Tarrant
Texas View Map Fort Worth 76140 Tarrant
Texas View Map Fort Worth 76147 Tarrant
Texas View Map Fort Worth 76148 Tarrant
Texas View Map Fort Worth 76150 Tarrant
Texas View Map Fort Worth 76155 Tarrant
Texas View Map Fort Worth 76161 Tarrant
Texas View Map Fort Worth 76162 Tarrant
Texas View Map Fort Worth 76163 Tarrant
Texas View Map Fort Worth 76164 Tarrant
Texas View Map Fort Worth 76177 Tarrant
Texas View Map Fort Worth 76179 Tarrant
Texas View Map North Richland Hills 76180 Tarrant
Texas View Map Fort Worth 76181 Tarrant
Texas View Map North Richland Hills 76182 Tarrant
Texas View Map Fort Worth 76185 Tarrant
Texas View Map Fort Worth 76191 Tarrant
Texas View Map Fort Worth 76192 Tarrant
Texas View Map Fort Worth 76193 Tarrant
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Texas View Map Fort Worth 76198 Tarrant
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Texas View Map Denton 76201 Denton
Texas View Map Denton 76202 Denton
Texas View Map Denton 76203 Denton
Texas View Map Denton 76204 Denton
Texas View Map Denton 76205 Denton
Texas View Map Denton 76206 Denton
Texas View Map Denton 76207 Denton
Texas View Map Denton 76208 Denton
Texas View Map Denton 76209 Denton
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Texas View Map Jus 76247 Denton
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Texas View Map Krum 76249 Denton
Texas View Map Lindsay 76250 Cooke
Texas View Map Montague 76251 Montague
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Texas View Map Myra 76253 Cooke
Texas View Map Nocona 76255 Montague
Texas View Map Pilot Point 76258 Denton
Texas View Map Ponder 76259 Denton
Texas View Map Ringgold 76261 Montague
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Texas View Map Wichita Falls 76301 Wichita
Texas View Map Wichita Falls 76302 Wichita
Texas View Map Wichita Falls 76305 Wichita
Texas View Map Wichita Falls 76306 Wichita
Texas View Map Wichita Falls 76307 Wichita
Texas View Map Wichita Falls 76308 Wichita
Texas View Map Wichita Falls 76309 Wichita
Texas View Map Wichita Falls 76310 Wichita
Texas View Map Sheppard Afb 76311 Wichita
Texas View Map Archer City 76351 Archer
Texas View Map Bluegrove 76352 Clay
Texas View Map Burkburnett 76354 Wichita
Texas View Map Byers 76357 Clay
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Texas View Map Goree 76363 Knox
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Texas View Map Rising Star 76471 Eastland
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Texas View Map Throckmorton 76483 Throckmorton
Texas View Map Palo Pinto 76484 Palo Pinto
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Texas View Map Temple 76504 Bell
Texas View Map Temple 76505 Bell
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Texas View Map Buckholts 76518 Milam
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Texas View Map China Spring 76633 Mclennan
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Texas View Map Frost 76641 Navarro
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Texas View Map Hubbard 76648 Hill
Texas View Map Iredell 76649 Bosque
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Texas View Map Italy 76651 Ellis
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Texas View Map Kosse 76653 Limestone
Texas View Map Leroy 76654 Mclennan
Texas View Map Lorena 76655 Mclennan
Texas View Map Lott 76656 Falls
Texas View Map Mc Gregor 76657 Mclennan
Texas View Map Malone 76660 Hill
Texas View Map Marlin 76661 Falls
Texas View Map Mart 76664 Mclennan
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Texas View Map Mertens 76666 Hill
Texas View Map Mexia 76667 Limestone
Texas View Map Milford 76670 Ellis
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Texas View Map Prairie Hill 76678 Limestone
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Texas View Map Richland 76681 Navarro
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Texas View Map Ross 76684 Mclennan
Texas View Map Sa 76685 Falls
Texas View Map Tehuacana 76686 Limestone
Texas View Map Thornton 76687 Limestone
Texas View Map Valley Mills 76689 Bosque
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Texas View Map West 76691 Mclennan
Texas View Map Whitney 76692 Hill
Texas View Map Wortham 76693 Freestone
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Texas View Map Waco 76703 Mclennan
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Texas View Map Waco 76708 Mclennan
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Texas View Map Waco 76714 Mclennan
Texas View Map Waco 76715 Mclennan
Texas View Map Waco 76716 Mclennan
Texas View Map Waco 76795 Mclennan
Texas View Map Waco 76797 Mclennan
Texas View Map Waco 76798 Mclennan
Texas View Map Waco 76799 Mclennan
Texas View Map Brownwood 76801 Brown
Texas View Map Early 76802 Brown
Texas View Map Brownwood 76803 Brown
Texas View Map Brownwood 76804 Brown
Texas View Map Art 76820 Mason
Texas View Map Ballinger 76821 Runnels
Texas View Map Bangs 76823 Brown
Texas View Map Bend 76824 San Saba
Texas View Map Brady 76825 Mcculloch
Texas View Map Brookesmith 76827 Brown
Texas View Map Burkett 76828 Coleman
Texas View Map Castell 76831 Llano
Texas View Map Cherokee 76832 San Saba
Texas View Map Coleman 76834 Coleman
Texas View Map Doole 76836 Mcculloch
Texas View Map Eden 76837 Concho
Texas View Map Fort Mc Kavett 76841 Menard
Texas View Map Fredonia 76842 Mason
Texas View Map Goldthwaite 76844 Mills
Texas View Map Gouldbusk 76845 Coleman
Texas View Map Hext 76848 Menard
Texas View Map Junction 76849 Kimble
Texas View Map Lohn 76852 Mcculloch
Texas View Map Lometa 76853 Lampasas
Texas View Map London 76854 Kimble
Texas View Map Lowake 76855 Concho
Texas View Map Mason 76856 Mason
Texas View Map May 76857 Brown
Texas View Map Melvin 76858 Mcculloch
Texas View Map Menard 76859 Menard
Texas View Map Miles 76861 Runnels
Texas View Map Millersview 76862 Concho
Texas View Map Mullin 76864 Mills
Texas View Map Norton 76865 Runnels
Texas View Map Paint Rock 76866 Concho
Texas View Map Pontotoc 76869 Mason
Texas View Map Priddy 76870 Mills
Texas View Map Richland Springs 76871 San Saba
Texas View Map Rochelle 76872 Mcculloch
Texas View Map Rockwood 76873 Coleman
Texas View Map Roosevelt 76874 Kimble
Texas View Map Rowena 76875 Runnels
Texas View Map San Saba 76877 San Saba
Texas View Map Santa Anna 76878 Coleman
Texas View Map Star 76880 Mills
Texas View Map Talpa 76882 Coleman
Texas View Map Telegraph 76883 Edwards
Texas View Map Valera 76884 Coleman
Texas View Map Valley Spring 76885 Llano
Texas View Map Veribest 76886 Tom Green
Texas View Map Voca 76887 Mcculloch
Texas View Map Voss 76888 Coleman
Texas View Map Zephyr 76890 Brown
Texas View Map San Angelo 76901 Tom Green
Texas View Map San Angelo 76902 Tom Green
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Texas View Map Goodfellow Afb 76908 Tom Green
Texas View Map San Angelo 76909 Tom Green
Texas View Map Barnhart 76930 Irion
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Texas View Map Bronte 76933 Coke
Texas View Map Carlsbad 76934 Tom Green
Texas View Map Christoval 76935 Tom Green
Texas View Map Eldorado 76936 Schleicher
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Texas View Map Knickerbocker 76939 Tom Green
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Texas View Map Mertzon 76941 Irion
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Texas View Map Conroe 77301 Montgomery
Texas View Map Conroe 77302 Montgomery
Texas View Map Conroe 77303 Montgomery
Texas View Map Conroe 77304 Montgomery
Texas View Map Conroe 77305 Montgomery
Texas View Map Conroe 77306 Montgomery
Texas View Map North Houston 77315 Harris
Texas View Map Montgomery 77316 Montgomery
Texas View Map Willis 77318 Montgomery
Texas View Map Huntsville 77320 Walker
Texas View Map Kingwood 77325 Harris
Texas View Map Ace 77326 Polk
Texas View Map Cleveland 77327 Liberty
Texas View Map Cleveland 77328 Liberty
Texas View Map Coldspring 77331 San Jacinto
Texas View Map Dallardsville 77332 Polk
Texas View Map Dobbin 77333 Montgomery
Texas View Map Dodge 77334 Walker
Texas View Map Goodrich 77335 Polk
Texas View Map Huffman 77336 Harris
Texas View Map Hufsmith 77337 Harris
Texas View Map Humble 77338 Harris
Texas View Map Kingwood 77339 Harris
Texas View Map Huntsville 77340 Walker
Texas View Map Huntsville 77341 Walker
Texas View Map Huntsville 77342 Walker
Texas View Map Huntsville 77343 Walker
Texas View Map Huntsville 77344 Walker
Texas View Map Kingwood 77345 Harris
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