Flexible Loan Programs
Houston, TX
Screenings Available Over the Phone
Nobody Turned Away
Competitive Rates
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A Wide Range of Mortgage Solutions to Fit Your Needs
At Ero Lending, we pride ourselves on offering a diverse selection of mortgage loan programs tailored to meet the unique needs of our clients in Houston, TX. Whether you're a first-time homebuyer, a seasoned investor, or someone with non-traditional income, we have a solution for you. Our loan products include:
Qualifying Mortgage Loans
- FHA loans
- VOE loans
- Conventional loans
Non-Qualifying Mortgage Loans
- Bank Statement loans
- ITIN loans
- DSCR loans
- Foreign loans
We work with all types of credit and never turn anyone away. Contact us today to explore the many mortgage options available to you!
Why Houston Homebuyers and Investors Choose Ero Lending
Securing the right mortgage is essential for achieving your homeownership or investment goals. At Ero Lending, we understand the challenges many borrowers face and offer solutions that make financing more accessible. Whether you're looking to buy your first home, refinance, or invest in property, our loan programs are designed to help you succeed. People turn to us because:
- They need flexible options for non-traditional income
- They want to take advantage of competitive rates
- They require support with credit challenges
- They seek incentives toward closing costs
- They value personalized service and local expertise
The Ero Lending Advantage
Choosing Ero Lending means partnering with a team that puts your needs first. With more than 29 years of experience, we’ve built strong relationships with lenders and offer a one-stop shop for all of your mortgage needs. As a locally owned and minority-owned business, we’re committed to serving our community with integrity and care. When you work with us, you benefit from:
- Appraisal waivers to save time and money
- Mortgage calculators to help you plan
- Phone screenings for convenience
- Exceptional customer service and guidance
- A trusted team that works with all credit types
Let’s Get Started on Your Mortgage Journey
Whether you're buying, refinancing, or investing, Ero Lending is here to help you every step of the way. Our team is dedicated to making the mortgage process smooth, transparent, and tailored to your goals. With our wide range of loan programs and commitment to customer satisfaction, we’re your premier source for mortgage loans in Houston.
Get in touch with us today for all of your mortgage needs—we’re ready to help you move forward with confidence.
Our Loan Programs
FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low-interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of homeownership.
Conventional Loans
A conventional loan is a mortgage loan that's not backed by a government agency. These loans come in all shapes and sizes, and while they don't provide some of the benefits as FHA, VA and USDA loans, conventional loans remain the most common type of mortgage loan.
Bank Statement Loans
Our bank statement loan program allows self-employed borrowers to seek a home loan without showing net income on taxes or pay stubs.
ITIN Loans
Individual Tax Identification Number (ITIN) loans are for people who are not eligible for Social Security numbers. ITIN’s are issued to both resident and nonresident aliens for tax-reporting purposes.
DSCR Loans
A debt service coverage (DSCR) loan is one that qualifies borrowers through an investment property’s cash flow rather than the borrower’s income.
DSCR loans — also known as investor cash flow loans — are frequently used by real estate investors to qualify for mortgages and buy investment properties.
Foreign Loans
Foreign national loans are intended to be used to purchase homes as investments or vacation homes, not primary residences.
