1 Year Texas Self Employed Mortgage Lenders

1 YEAR TEXAS SELF EMPLOYED BANK STATEMENT MORTGAGE LENDERS.

SELF EMPLOYED TEXAS CASH-OUT REFINANCE UP TO 500K! 
Serving All Texas Including And Not Limited To: Fort Worth TexasAustin TexasDallas TexasSan Antonio Texas,  Houston Texas  

INCOME DOCUMENTATION FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: 

  • Alt Doc – 12 or 24 months business or personal bank stmts (Self Empl only), Full Doc income with lease agreements, ok (rental income qualified by lease agreements) Full Doc – 2 year (W-2 & paystubs, 1040s, K1’s) 
  • Full Doc – 1 year (W-2 and Current YTD paystub, K1’s) 
  • Full Doc – 1 year (One year Tax Return and YTD P&L Self Empl) 
  • Asset Xpress – 100% of amount needed to amortize loan plus monthly debts for 60 months, max 80% LTV to $1.0M; Max 75% LTV to $1.5M 
  • Asset Assist – Assets divided by 120 is added to income. $1.5M max loan amount to 75% LTV, Max 80% LTV to $1M 
  • ALT Doc—3-month Texas Bank Statement (24-month CPA compiled and signed P&L statement supported by 3-months bank stmts)
  • ALT Doc—Profit and Loss (P&L) only. 24-month P&L compiled and signed by CPA. CPA must also attest to filing tax returns for 1 year self employed mortgage applicants  for 24-months. 
  • ALT Doc—VOE only

LENDING CRITERIA- TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: Loan programs for Owner Occ and 2nd homes only

MINIMUM CREDIT SCORE FOR – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  •  600+ QUALIFICATIONS- 600+ FICO Mtg 0x60 (12 Months) No BK 18 Months/FC 2 Years SS/DIL Settled Purchase 75% LTV RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 75% LTV 
  • 640+QUALIFICATIONS- 640+ FICO Mtg 1×30 (12 months) No BK/FC 2 Years No SS/DIL 1 Year Purchase 75% LTV RT Refi 85% LTV Cash-out Refi 85% LTV (680 FICO, otherwise 80%) 2nd Home 75% LTV  
  •  680+QUALIFICATIONS- 680+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 80% LTV 
  • 720+QUALIFICATIONS- 720+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 90% LTV Cash-out Refi 85% LTV 2nd Home 80% LTV

1 YEAR SELF EMPLOYED LOAN AMOUNTS – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS:Minimum loan amount $100,000 RESERVES: ● 6 months required above 75% LTV ● 6 months required on 12 Mo Cash Flow Product ● See loans > $1M for additional info 

GENERAL TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS LOAN TERMS: 

  • 30 Year Fixed  and 5 year ARM, 7 year ARM options
  • No Pre-payment penalty 
  • Floor = Start rate 
  • Caps are 2/2/5 (2% initial change cap / 2% annual cap / 5% lifetime cap) 
  • Index – 1 year libor 
  • All loans require impound for tax and insurance PROPERTY TYPES: 
  • SFRs, condos, townhouses, 2-4 units (no rural properties < $200,000) 
  • Property must show “pride of ownership” DEBT TO INCOME RATIO: 
  • 50% max DTI (up to 55% case by case) 
  • See guidelines for residual income calculations * Requires 0x30 mortgage payment history last 12 months. Full Doc Only 
  • Minimum interest rate: 4.250% ARM 4.625% fixed

DOWN PAYMENT REQUIREMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: 

  • All down payment funds must be verified prior to drawing loan documents 
  • Secondary Financing 80% Max LTV/90% Max CLTV 

1 YEAR SELF EMPLOYED DEBTS INCLUDING TAX LIENS, JUDGMENT REQUIREMENTS: 

  • All tax liens and judgments must be paid at closing 

COLLECTION ACCOUNTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Collections and charge offs need to be paid off except: – Medical Collections – Collection accounts older than 2 years FIRST-TIME HOME BUYER: 
  • A , A- and B credit grades. B- grade case by case 

NON-PERMANENT RESIDENT ALIEN TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: : 

  • 80% max LTV Purchase and Rate and Term Refi 75% max LTV on Cash Out 
  • A, A- and B credit grades only 
  • No FICO is allowed (when no FICO, price at Aand add 0.500% to rate) 
  • Visa classifications allowed (E-1 – E-3/G-1 – G-5/H-1/L-1/NATO/O-1/R1/TN (NAFTA) 

TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS FEES 

  • Underwriting Fee $1,495 
  • Flood Cert Fee $12 
  • Attorney Doc Review $150
  • Subject to hange without notice.

AGE OF DOCUMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Credit Report/Credit Documentation: 90 days old at the time of closing
  • Income and Asset Documentation: Dated within 90 days of closing
  • Title Report/Title Commitment: Dated no later than 60 days prior to closing

APPRAISAL REQUIREMENTS BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

Full Interior / Exterior appraisal required. Fannie Mae/Freddie Mac Forms 1004/70, 1025/72, 1073/465 or 2090 must be used. All Fannie Guidelines apply to

appraisal process and value determination, in addition an Appraisal Management Company must be utilized for appraiser selection.

The Appraisal should be dated no more than 120 days prior to the Note Date. After a 120 day period, a new appraisal is required. Re-certification of value is

not acceptable. Minimum Square Footage 800 Sq. Feet

Not eligible: Properties for which the appraisal indicates condition ratings of C5 or C6 or a quality rating of Q6, each as determined under the Uniform Appraisal

Dataset (UAD) guidelines. TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders will consider if issue has been corrected prior to loan funding with proper documentation.

A 5% reduction in LTV/CLTV will be required for all properties identified to be in a declining market as designated by the appraiser.

APPRAISAL REVIEW PRODUCTS: An enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders Approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders’s AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. When a second appraisal is provided, the transactions “Appraised Value” will be the lower of the two appraisals. A second appraisal is required on loan amounts > $1,500,000

ASSETS – CASH TO CLOSE – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
• Full Asset Documentation is required for both funds to close and reserves. For most asset types, this would include all pages of the most recent two months
statements or the most recent quarterly statement. All Assets from the 1 year self employed mortgage applicants (s) must be disclosed and verified by the lender.

  • No business accounts may be used to meet down payment and/or reserve requirements unless the 1 year self employed mortgage applicants (s) are 100% owners of the business and requires:

o A letter from the businesses accountant OR

o An underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business.

  • Stocks/Bonds/Mutual Funds – 80% may be used for reserves.
  • Vested Retirement Accounts – 70% may be considered for reserves (certain eligible plans can use 70% if 1 year self employed mortgage applicants  > 59 1⁄2 – i.e. 401k)
  • Assets being used for dividend and interest income may not be used to meet reserve requirements
  • If needed to close, verification that funds have been liquidated (if applicable) is required.
  • Gift of Equity is not allowed.
  • Builder profits are not allowed.
  • No employer assistance assets are allowed.
  • Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80

TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS ELIGIBLE MORTGAGE APPLICANTS INCLUDE:

  • Eligible:
  • US Citizen
  • Permanent Resident Aliens
  • Non-Permanent Resident Aliens
  • First Time Home Buyers
  • Non-Occupant Co-TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants
  • Limited partnerships, general partnerships, corporations
  • o Personal guarantor required
  • In-Eligible:
  • Foreign Nationals
  • Irrevocable or Blind Trusts
  • Inter-Vivos Revocable Trust

OVERALL CREDIT REQUIREMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Each 1 year self employed mortgage applicants ’s ‘Credit Score’ is the middle of three or the lesser of two.
  • Representative Credit Score – Texas Bank Statement loans, the lowest Credit Score among 1 year self employed mortgage applicants s.
  • Each 1 year self employed mortgage applicants ’s credit profile must include a minimum of 2 trade lines (open or closed) within the last 24 months that show a 12 month history, or a combined credit profile between 1 year self employed mortgage applicants  and co-1 year self employed mortgage applicants  with a minimum of 3 tradelines.
    o Tradeline activity is not required. Eligible tradelines cannot have any derogatory history in previous 24 months.
  • Current housing not reporting on credit can be considered an open trade if supported by bank records (cancelled checks/debits).
    • 1 year self employed mortgage applicants (s) not using income to qualify are not required to meet the minimum tradeline requirements listed above. 
  • TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants currently enrolled in credit counseling or debt management plans are not permitted. • All derogatory accounts require a full explanation. 
  • All Judgments or liens affecting title must be paid.
  • Non-title charge- offs and collections within 3 years and exceeding $3,000 (either individually or in aggregate) must be paid.
  • Medical collections are not required to be paid.
  • All past due accounts must be brought current prior to closing. 
  • No authorized user accounts will be used to satisfy minimum tradeline. 
  • Medical derogatory accounts, collections, and charge-offs permitted with letter of explanation. 
  • Disputed accounts require a LOE per Fannie Mae. An updated credit report not required.
  • IRS tax payment plans are permitted if current and do not carry a lien on any property.Minimum FICO 700
  • Housing 0x30x12
  • BK (Chap 13 Discharge) 60 Mo
  • BK (Other) 60 Mo
  • Foreclosure 60 Mo
  • Short Sale / DIL 60Mo

TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE FOR FIRST TIME HOME BUYER REQUIREMENTS

  • First Time Homebuyers (“FTHB”) are individuals that have not owned a home or had a residential mortgage in the last 3 years.
  • However, only 1 year self employed mortgage applicants with no prior mortgage history or homeownership ever are restricted to the following:

Recent Event not permitted

I/Os not permitted

12 month 0X30 housing history required

Primary Residence Only

Minimum of 6 months PITI reserves required.

DOCUMENT REQUIREMENTS FOR  TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

(1) 12 or 24 months Personal or 24 months Business Bank statements

TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants who own more than 3 businesses must use personal bank statements option

Bank statements must be most recent available at time of application and must be consecutive

(2) Profit & Loss Statement

If submitting personal bank statements, a P&L prepared by the 1 year self employed mortgage applicants  covering no less than 12 or 24 months is required

The P&L must be signed by the 1 year self employed mortgage applicants 

If submitting business bank statements, a P&L prepared by the 1 year self employed mortgage applicants  covering no less than 24 months is required

1 year self employed mortgage applicants  is required to provide separate P&Ls for each business being used in qualifying.

The P&L should generally cover the same calendar months as the bank statements provided.

(3) Validation of a minimum of 2 years existence of the business from one of the following: Business License, Letter from Tax Preparer, Secretary of State Filing or equivalent

Self Employed/Wage Earner Combination – Joint 1 year self employed mortgage applicants with 1 wage earner and 1 self-employed business owner can verify income separately, with the self-

employed 1 year self employed mortgage applicants  utilizing bank statements and the wage earner providing pay stubs/W-2s. The wage earner 4506T should include W-2 transcripts only.

PROFIT & LOSS ANALYSIS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

  • Net Income from the P&L will be used as Qualifying Income for both personal and business bank statements.
  • The P&L used for qualifying must be signed by the 1 year self employed mortgage applicants .
  • Declining Income requires an LOE
  • Any amounts on the P&L representing salary/wages paid to the 1 year self employed mortgage applicants /business owner can be added back and considered in the net income analysis.
  • Expense line items that can be added back to the business net income include depreciation, depletion, amortization, casualty losses, and other losses or

expenses that are not consistent and recurring.

  • TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants utilizing business bank statements that own > 50% but < 100% of a business will be qualified at the P&L/AES net income multiplied by their ownership percentage.
  • The P&L expense ratio, Gross Income minus Net Income, divided by Gross Income, should be reasonable for the profession.

Example: A home-based sole practitioner therapist/consultant can be expected to have a low expense ratio, while a retail business that has a full staff of  employees and relies heavily on inventory to generate income will have a high expense ratio.

  • If the file does not contain a CPA prepared P&L, steps must be taken by the underwriter to evaluate the reasonableness of the expenses listed by the 1 year self employed mortgage applicants .
  • This requires the 1 year self employed mortgage applicants  to provide a business narrative which includes detail related to the size/scope and operating profile of the business, including the

following: o Description of Business/Business Profile o Location & Associated Rent o Number of Employees / Contractors o Estimated Cost of Goods Sold (Does

business involve sale of goods or just services?) o Materials/Trucks/Equipment o Commercial or Retail client base? o Business Analysis

  • Expenses listed on a 1 year self employed mortgage applicants  prepared P&L should generally relate to the information provided below.

Joint Accounts – A joint personal account with a non-borrowing spouse or domestic partner can be used for qualifying as follows: o If not contributing

income/deposits, it must be validated by a 1 year self employed mortgage applicants  affidavit o If contributing income/deposits, source must be clearly identified (direct deposit, SSI, trust

income) and amounts must be subtracted from the analysis o Relationship letter must be present in file

Retirement, Government Annuity, and Pension Income – TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders may recognize an ancillary income stream from employment-related assets as eligible for

income qualification. 1 year self employed mortgage applicants  must evidence a 12 month history of documented draws or interest/dividend income. If, based on that history, the income will

continue for at least three years, the income may be used for loan qualification. One of the following types of income documentation is required: o Copy of

award letter or letters from the organizations providing the income o Most recent personal income tax return with all schedules o Most recent W2 or 1099 o

Most recent 2 months bank statements showing deposit of funds

If the income being used for qualifying represents at least 50% of the 1 year self employed mortgage applicants ’s total income, a five year continuance is required. The 1 year self employed mortgage applicants  must have

unrestricted access, and available to the 1 year self employed mortgage applicants  without penalty. Documentation of asset ownership must be in compliance with the allowable age of credit

documents.

Restricted Stock Income – TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders will only consider restricted stock that was awarded in prior 2 years and became unrestricted (vested) in the current year. The

Vesting Schedule must indicate the income will continue for a minimum of 3 years at a similar level to the prior 2 years. Continuance is based on the vesting

schedule using a stock price based on the 52 week low for the most recent 12 months reporting at the time of closing. A 2 year average of prior income

received from RSU’s or stock option will be used. The following documentation is required: o Copy of the vesting schedule o Most recent W2 and pay stub o

Private Stock not eligible.

Component Sources of Income – A 1 year self employed mortgage applicants  who has a self-employed business and also receives income from other sources is eligible for the bank

statement program. Income sources include but are not limited to rental properties, trust & investment, alimony, etc. These income sources should be

separately documented on the 1003 and should be separately supported by bank statement deposits.

o Rental Income –

months via cancelled checks, deposits clips, or bank records ed by a vacancy/expense factor of

25%

o Trust Income – idenced by unt, distribution frequency, and duration of payments

o Alimony Income –

deposit slips, or bank records

o Note Receivable Income opy of the note confirming amount and length of payment

checks, deposit slips, or bank records

MORTGAGE RENTAL VERIFICATION REQUIRED BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • 12 months housing history required.
  • Rental history evidenced by 12 months proof of payment via cancelled checks or bank debits.
  • Rent free letters from spouses are not permitted. Housing history is required.

PAYMENT SHOCK FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

Payment shock is limited to 250% on primary residence transactions.

Payment Shock Calculation –

(Proposed PITI – Current PITI) / Current PITI X 100

For 1 year self employed mortgage applicants who do not have a current housing payment, or own a home free and clear, payment is shock is not considered.

PRIMARY HOME – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
• A primary residence is a property that the 1 year self employed mortgage applicants (s) intend to occupy (within 60 days) as his or her principal residence.

  • Characteristics that may indicate that a property is used as a 1 year self employed mortgage applicants ‘s primary residence include:

o It is occupied by the 1 year self employed mortgage applicants  for the major portion of the year.

o It is in a location relatively convenient to the 1 year self employed mortgage applicants ‘s principal place of employment.

o It is the address of record for such activities as federal income tax reporting, voter registration, occupational licensing, and similar functions.

o 1 year self employed mortgage applicants  may not own an additional single family residence of equal or greater value than subject property.

SECOND HOME – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

A property is considered a second home when it meets all of the following requirements:

  • Must be located a reasonable distance away from the 1 year self employed mortgage applicants (s) principal residence.
  • Must be occupied by the 1 year self employed mortgage applicants (s) for some portion of the year.
  • Is restricted to a one-unit dwelling.
  • Must be suitable for year-round occupancy.
  • Cash-Out transactions are not permitted
  • The 1 year self employed mortgage applicants (s) must have exclusive control over the property.
  • Gifts not permitted

INVESTOR – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

  • Occupancy designation when the 1 year self employed mortgage applicants  does not occupy the subject property.
  • A Non Owner Occupied property must meet the following requirements:

Cash-Out and Debt Consolidation transactions are not permitted

1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property.

The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties.

  • Gifts not permitted

Alt Doc – 12 or 24 months personal or business bank stmts or 1099’s (self employed only) ● Alt Doc – Rental income qualified by lease agreements 

PROPERTY TYPES ALLOWABLE BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

Eligible: Single Family Residences1-4 Units (3-4 Units NOO Only), PUDs*, Townhouses, Condominiums (Warrantable Only)

*PUDs- New PUDs/Subdivisions must be at least 60% sold or under bonafide contract. The PUD questionnaire must be included with submission. • Maximum

LTV of 80% for new PUDs

Ineligible: • Acreage greater than 10 acres (appraisal must include total acreage) • Agricultural/Rural zoned property • Condo hotel • Co-ops • Hobby Farms •

Income producing properties with acreage • Leaseholds • Log Homes • Manufactured housing • Mixed use properties • Modular homes • Non-Warrantable

Condos • Properties subject to oil and/or gas leases • Unique properties • Working farms, ranches or orchards.

Fannie Mae eligible projects: TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders. project exposure maximum shall be $3,000,000 or 15% of the project whichever is lower • 1 year self employed mortgage applicants 

project/Unit concentration limit: two (2) units • Project meets all FNMA Insurance requirements for property, liability and fidelity coverage • 1 year self employed mortgage applicants  must carry

H06 coverage for replacement of such items as flooring, wall covering, cabinets, fixtures, built-ins and any improvements made to the unit • The Condo Project

Questionnaire must be completed, including all the required documentation from the questionnaire including: CCR, Articles of Incorporation, By-Laws, Master

Insurance Policy, Budget / Balance Sheet & HOA questionnaire .• All projects are subject to full review and approval.

TEXAS 1 ONE YEAR SELF EMPLOYED Condos – 70% Maximum LTV

TEXAS 1 ONE YEAR SELF EMPLOYED Condos – 50% Maximum LTV

Purchase • No property flipping, prior owners must have owned the property greater than 6 months. (Bank owned REO are eligible and not considered a flip transaction).

  • Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80.

CASH OUT – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • A Cash-Out Refinance transaction allows the 1 year self employed mortgage applicants  to pay off the existing mortgage by obtaining new financing secured by the same property or allows the

property owner obtain a mortgage on a property that is currently owned free and clear. The 1 year self employed mortgage applicants  can receive funds at closing as long as they do not exceed

the program requirements.

  • To be eligible for a Cash-Out Refinance the 1 year self employed mortgage applicants  must have owned the property for a minimum of six months prior to the application date. Properties listed

for sale within the last 12 months are ineligible for cash out.

  • If the property is owned less than 12 months but greater than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original

purchase price plus documented improvements, or current appraised value. The prior HUD-1 will be required for proof of purchase price.

RATE TERM – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE REFINANCE 

  • A Rate/Term Refinance transaction is when the new loan amount is limited to the payoff of the present first lien mortgage, any seasoned non-first lien

mortgages, closing costs and prepays, or a court ordered buyout settlement.

  • A seasoned non-first lien mortgage is a purchase money mortgage or a closed end or HELOC mortgage that has been in place for more than 12 months

(and/or not having any draws greater than $2,000 in the past 12 months for HELOC’s. Withdrawal activity must be documented with a transaction history from

the HELOC).

  • Limited cash to the 1 year self employed mortgage applicants  must not be greater than 1% of the principal amount of the new mortgage to be considered a Rate/Term refinance.
  • If the property is owned less than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original purchase price plus

improvements or current appraised value. The prior HUD-1 will be required for proof of purchase price. Proof of improvements is required.

  • There is no waiting period if the lender documents that the 1 year self employed mortgage applicants  acquired the property through an inheritance or was legally awarded the property

(divorce, separation, or dissolution of a domestic partnership). If the 1 year self employed mortgage applicants  acquired the property at any time as a gift, award, inheritance or other

non-purchase transaction, the LTV will be based on the current appraised value. The lender must obtain appropriate documentation to verify the

acquisition and transfer of ownership.

  • Follow FNMA for Delayed Financing guidelines.
  • Properties that have been listed for sale within the past 6 months from the loan application date are not eligible for a rate/term refinance transaction.
  • The rate/term refinance of a construction loan is eligible with the following conditions:
  • If the lot was acquired 12 or more months before applying for the subject loan, the LTV/CLTV/HCLTV is based on the current appraised value of the property.
  • If the lot was acquired less than 12 months before applying for the construction financing, the LTV/CLTV/HCLTV is based on the lesser of i) the current

appraised value of the property and ii) the total acquisition costs.

TEXAS 1 ONE YEAR SELF EMPLOYED CASH OUT DEBT CONSOLIDATION REFINANCE 

  • A debt consolidation refinance transaction involves the repayment of an existing lien and other 1 year self employed mortgage applicants  debt from the proceeds of a new mortgage. A debt

consolidation refinance may include the payoff of:

o First mortgage secured by the subject property.

o Junior liens secured by the subject property.

o Credit cards, installment loans, past due taxes, etc.

  • Direct evidence of debt payment at closing is required.
  • 1 year self employed mortgage applicants  must own property for a minimum of 12 months
  • Loan must produce a net tangible benefit to the 1 year self employed mortgage applicants  resulting in an increase in residual income and a reduction of 1 year self employed mortgage applicants ’s total debt obligation

payments.

  • Existing subordination not permitted.
  • Cash to 1 year self employed mortgage applicants  at closing must not exceed 2% of the loan amount.

RESERVE REQUIRED BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

Non-Occupant Co-1 year self employed mortgage applicants : An additional 6 months reserves is required

First Time Home Buyers: Minimum of 6 months PITI reserves required

Interest Only loans require a minimum of 12 months reserves

Occupancy Maximum Loan Amount Reserves

  • 1 year self employed mortgage applicants with greater than 2 financed properties require 9 months or otherwise stated higher reserve amount above and an additional 3 months of reserves

for each additional financed property. The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties. For primary

residence transactions, this requirement can be waived for 1 year self employed mortgage applicants who have a minimum 18 months reserves on the primary residence.

Occupancy Maximum Loan Amount Reserves

Second Home $2,000,000 12 Months

Second Home

Debt

Consolidation

$2,000,000 2 Months

  • 1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional

reserves are based on the PITI plus HOA fees of the other financed properties.

Occupancy Maximum Loan Amount Reserves

Non-Owner $1,500,000 12 Months

  • 1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional

reserves are based on the PITI plus HOA fees of the other financed properties

Cash-out permitted to meet reserve requirements if loan-to-value is 5% below the matrix maximum LTV/CLTV and a minimum 680 representative FICO score

DELAYED FINANCING BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

Cash-out on properties purchased by the 1 year self employed mortgage applicants  with cash and owned less than 6 months is allowed. The following requirements apply:

  • Original transaction was an arm’s-length transaction
  • Settlement statement from purchase confirms no mortgage financing used to acquire subject
  • Source of funds used for purchase documented (gift funds may not be included)
  • New loan amount can be no more than the actual documented amount of the 1 year self employed mortgage applicants ‘s initial investment in purchasing the property plus the

financing of closing costs, prepaid fees, and points on the new mortgage loan

  • All other cash-out refinance eligibility requirements must be met

SELF-EMPLOYED REQUIRED FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

1 year self employed mortgage applicants with Separated Business and Personal Accounts

Using Personal Texas Bank Statements to Qualify

Business license (if available – depending on nature of business)

Letter from a Licensed Tax Professional certifying profession & self-employment in same line of business for a min of 2 years & ownership

percentage

Most recent 12 months personal bank statements – Utilize 12 months average deposits to qualify (minus disqualified/unrelated deposits)

Most recent 3 months business bank statements – Demonstrate transfers from business to personal bank account statements provided

1 year self employed mortgage applicants must own a minimum of 25% of business to be considered Self-Employed, for use of personal of personal bank statements.

Qualifying income may not exceed the income indicated on the initial 1003.

Using Business Texas Bank Statements to Qualify

Business license (if available – depending on nature of business)

Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the 1 year self employed mortgage applicants  is

100% owner of the business – For use of Business Texas Bank Statements/P&L for 1 year self employed mortgage applicants who own less than 100% but more than or equal to 80%, a

letter is required from each other owner of the business stating the 1 year self employed mortgage applicants  has full access to the business funds. Less than 80% ownership will

require exception approval for use of Business Texas Bank Statements/P&L

Most recent 12 months business bank statements.

12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)

o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross

Revenue)

o 1 year self employed mortgage applicants  to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business

o P&L is not Audited by Licensed Tax Professional

o P&L must be signed by the preparer and 1 year self employed mortgage applicants 

Qualifying income may not exceed the income indicated on the initial 1003.

1 year self employed mortgage applicants with Personal Accounts (Co-mingled for business & personal use)

Business license (if available – depending on nature of business)

Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the 1 year self employed mortgage applicants  is

100% owner of the business – For use of Business Texas Bank Statements/P&L for 1 year self employed mortgage applicants who own less than 100% but more than or equal to 80%, a

letter is required from each other owner of the business stating the 1 year self employed mortgage applicants  has full access to the business funds. Less than 80% ownership will

require exception approval for use of Business Texas Bank Statements/P&L

Most recent 12 months personal bank statements.

12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)

o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross

Revenue)

o 1 year self employed mortgage applicants  to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business

o P&L is not Audited by Licensed Tax Professional

o P&L must be signed by the preparer and 1 year self employed mortgage applicants 

Qualifying income may not exceed the income indicated on the initial 1003.

Other sources of income

Other sources of income must be verified in accordance with Appendix Q of Regulation Z regarding income

TEXAS 1 YEAR SELF EMPLOYED MORTGAGE LENDERS COVERAGE AREAS

Texas San Antonio 78244 Bexar View Map
Texas San Antonio 78245 Bexar View Map
Texas San Antonio 78246 Bexar View Map
Texas San Antonio 78247 Bexar View Map
Texas San Antonio 78248 Bexar View Map
Texas San Antonio 78249 Bexar View Map
Texas San Antonio 78250 Bexar View Map
Texas San Antonio 78251 Bexar View Map
Texas San Antonio 78252 Bexar View Map
Texas San Antonio 78253 Bexar View Map
Texas San Antonio 78254 Bexar View Map
Texas San Antonio 78255 Bexar View Map
Texas San Antonio 78256 Bexar View Map
Texas San Antonio 78257 Bexar View Map
Texas San Antonio 78258 Bexar View Map
Texas San Antonio 78259 Bexar View Map
Texas San Antonio 78260 Bexar View Map
Texas San Antonio 78261 Bexar View Map
Texas San Antonio 78262 Bexar View Map
Texas San Antonio 78263 Bexar View Map
Texas San Antonio 78264 Bexar View Map
Texas San Antonio 78265 Bexar View Map
Texas San Antonio 78266 Comal View Map
Texas San Antonio 78268 Bexar View Map
Texas San Antonio 78269 Bexar View Map
Texas San Antonio 78270 Bexar View Map
Texas San Antonio 78275 Bexar View Map
Texas San Antonio 78278 Bexar View Map
Texas San Antonio 78279 Bexar View Map
Texas San Antonio 78280 Bexar View Map
Texas San Antonio 78283 Bexar View Map
Texas San Antonio 78284 Bexar View Map
Texas San Antonio 78285 Bexar View Map
Texas San Antonio 78286 Bexar View Map
Texas San Antonio 78287 Bexar View Map
Texas San Antonio 78288 Bexar View Map
Texas San Antonio 78289 Bexar View Map
Texas San Antonio 78291 Bexar View Map
Texas San Antonio 78292 Bexar View Map
Texas San Antonio 78293 Bexar View Map
Texas San Antonio 78294 Bexar View Map
Texas San Antonio 78295 Bexar View Map
Texas San Antonio 78296 Bexar View Map
Texas San Antonio 78297 Bexar View Map
Texas San Antonio 78298 Bexar View Map
Texas San Antonio 78299 Bexar View Map
Texas Agua Dulce 78330 Nueces View Map
Texas Alice 78332 Jim Wells View Map
Texas Alice 78333 Jim Wells View Map
Texas Aransas Pass 78335 San Patricio View Map
Texas Aransas Pass 78336 San Patricio View Map
Texas Armstrong 78338 Kenedy View Map
Texas Banquete 78339 Nueces View Map
Texas Bayside 78340 Refugio View Map
Texas Benavides 78341 Duval View Map
Texas Ben Bolt 78342 Jim Wells View Map
Texas Bishop 78343 Nueces View Map
Texas Bruni 78344 Webb View Map
Texas Chapman Ranch 78347 Nueces View Map
Texas Concepcion 78349 Duval View Map
Texas Dinero 78350 Live Oak View Map
Texas Driscoll 78351 Nueces View Map
Texas Edroy 78352 San Patricio View Map
Texas Encino 78353 Brooks View Map
Texas Falfurrias 78355 Brooks View Map
Texas Freer 78357 Duval View Map
Texas Fulton 78358 Aransas View Map
Texas Gregory 78359 San Patricio View Map
Texas Guerra 78360 Jim Hogg View Map
Texas Hebbronville 78361 Jim Hogg View Map
Texas Ingleside 78362 San Patricio View Map
Texas Kingsville 78363 Kleberg View Map
Texas Kingsville 78364 Kleberg View Map
Texas Mathis 78368 San Patricio View Map
Texas Mirando City 78369 Webb View Map
Texas Odem 78370 San Patricio View Map
Texas Oilton 78371 Webb View Map
Texas Orange Grove 78372 Jim Wells View Map
Texas Port Aransas 78373 Nueces View Map
Texas Portland 78374 San Patricio View Map
Texas Premont 78375 Jim Wells View Map
Texas Realitos 78376 Duval View Map
Texas Refugio 78377 Refugio View Map
Texas Riviera 78379 Kleberg View Map
Texas Robstown 78380 Nueces View Map
Texas Rockport 78381 Aransas View Map
Texas Rockport 78382 Aransas View Map
Texas Sandia 78383 Jim Wells View Map
Texas San Diego 78384 Duval View Map
Texas Sarita 78385 Kenedy View Map
Texas Sinton 78387 San Patricio View Map
Texas Skidmore 78389 Bee View Map
Texas Taft 78390 San Patricio View Map
Texas Tynan 78391 Bee View Map
Texas Woodsboro 78393 Refugio View Map
Texas Corpus Christi 78401 Nueces View Map
Texas Corpus Christi 78402 Nueces View Map
Texas Corpus Christi 78403 Nueces View Map
Texas Corpus Christi 78404 Nueces View Map
Texas Corpus Christi 78405 Nueces View Map
Texas Corpus Christi 78406 Nueces View Map
Texas Corpus Christi 78407 Nueces View Map
Texas Corpus Christi 78408 Nueces View Map
Texas Corpus Christi 78409 Nueces View Map
Texas Corpus Christi 78410 Nueces View Map
Texas Corpus Christi 78411 Nueces View Map
Texas Corpus Christi 78412 Nueces View Map
Texas Corpus Christi 78413 Nueces View Map
Texas Corpus Christi 78414 Nueces View Map
Texas Corpus Christi 78415 Nueces View Map
Texas Corpus Christi 78416 Nueces View Map
Texas Corpus Christi 78417 Nueces View Map
Texas Corpus Christi 78418 Nueces View Map
Texas Corpus Christi 78419 Nueces View Map
Texas Corpus Christi 78426 Nueces View Map
Texas Corpus Christi 78427 Nueces View Map
Texas Corpus Christi 78460 Nueces View Map
Texas Corpus Christi 78461 Nueces View Map
Texas Corpus Christi 78463 Nueces View Map
Texas Corpus Christi 78465 Nueces View Map
Texas Corpus Christi 78466 Nueces View Map
Texas Corpus Christi 78467 Nueces View Map
Texas Corpus Christi 78468 Nueces View Map
Texas Corpus Christi 78469 Nueces View Map
Texas Corpus Christi 78470 Nueces View Map
Texas Corpus Christi 78471 Nueces View Map
Texas Corpus Christi 78472 Nueces View Map
Texas Corpus Christi 78473 Nueces View Map
Texas Corpus Christi 78474 Nueces View Map
Texas Corpus Christi 78475 Nueces View Map
Texas Corpus Christi 78476 Nueces View Map
Texas Corpus Christi 78477 Nueces View Map
Texas Corpus Christi 78478 Nueces View Map
Texas Corpus Christi 78480 Nueces View Map
Texas Mcallen 78501 Hidalgo View Map
Texas Mcallen 78502 Hidalgo View Map
Texas Mcallen 78503 Hidalgo View Map
Texas Mcallen 78504 Hidalgo View Map
Texas Mcallen 78505 Hidalgo View Map
Texas Alamo 78516 Hidalgo View Map
Texas Brownsville 78520 Cameron View Map
Texas Brownsville 78521 Cameron View Map
Texas Brownsville 78522 Cameron View Map
Texas Brownsville 78523 Cameron View Map
Texas Brownsville 78526 Cameron View Map
Texas Combes 78535 Cameron View Map
Texas Delmita 78536 Starr View Map
Texas Donna 78537 Hidalgo View Map
Texas Edcouch 78538 Hidalgo View Map
Texas Edinburg 78539 Hidalgo View Map
Texas Edinburg 78540 Hidalgo View Map
Texas Edinburg 78541 Hidalgo View Map
Texas Elsa 78543 Hidalgo View Map
Texas Falcon Heights 78545 Starr View Map
Texas Garciasville 78547 Starr View Map
Texas Grulla 78548 Starr View Map
Texas Hargill 78549 Hidalgo View Map
Texas Harlingen 78550 Cameron View Map
Texas Harlingen 78551 Cameron View Map
Texas Harlingen 78552 Cameron View Map
Texas Harlingen 78553 Cameron View Map
Texas Hidalgo 78557 Hidalgo View Map
Texas La Blanca 78558 Hidalgo View Map
Texas La Feria 78559 Cameron View Map
Texas La Joya 78560 Hidalgo View Map
Texas Lasara 78561 Willacy View Map
Texas La Villa 78562 Hidalgo View Map
Texas Linn 78563 Hidalgo View Map
Texas Lopeno 78564 Zapata View Map
Texas Los Ebanos 78565 Hidalgo View Map
Texas Los Fresnos 78566 Cameron View Map
Texas Los Indios 78567 Cameron View Map
Texas Lozano 78568 Cameron View Map
Texas Lyford 78569 Willacy View Map
Texas Mercedes 78570 Hidalgo View Map
Texas Mission 78572 Hidalgo View Map
Texas Mission 78573 Hidalgo View Map
Texas Mission 78574 Hidalgo View Map
Texas Olmito 78575 Cameron View Map
Texas Penitas 78576 Hidalgo View Map
Texas Pharr 78577 Hidalgo View Map
Texas Port Isabel 78578 Cameron View Map
Texas Progreso 78579 Hidalgo View Map
Texas Raymondville 78580 Willacy View Map
Texas Rio Grande City 78582 Starr View Map
Texas Rio Hondo 78583 Cameron View Map
Texas Roma 78584 Starr View Map
Texas Salineno 78585 Starr View Map
Texas San Benito 78586 Cameron View Map
Texas San Isidro 78588 Starr View Map
Texas San Juan 78589 Hidalgo View Map
Texas San Perlita 78590 Willacy View Map
Texas Santa Elena 78591 Starr View Map
Texas Santa Maria 78592 Cameron View Map
Texas Santa Rosa 78593 Cameron View Map
Texas Sebastian 78594 Willacy View Map
Texas Sullivan City 78595 Hidalgo View Map
Texas Weslaco 78596 Hidalgo View Map
Texas South Padre Island 78597 Cameron View Map
Texas Port Mansfield 78598 Willacy View Map
Texas Weslaco 78599 Hidalgo View Map
Texas Bastrop 78602 Bastrop View Map
Texas Belmont 78604 Gonzales View Map
Texas Bertram 78605 Burnet View Map
Texas Blanco 78606 Blanco View Map
Texas Bluffton 78607 Llano View Map
Texas Briggs 78608 Burnet View Map
Texas Buchanan Dam 78609 Llano View Map
Texas Buda 78610 Hays View Map
Texas Burnet 78611 Burnet View Map
Texas Cedar Creek 78612 Bastrop View Map
Texas Cedar Park 78613 Williamson View Map
Texas Cost 78614 Gonzales View Map
Texas Coupland 78615 Williamson View Map
Texas Dale 78616 Caldwell View Map
Texas Del Valle 78617 Travis View Map
Texas Doss 78618 Gillespie View Map
Texas Driftwood 78619 Hays View Map
Texas Dripping Springs 78620 Hays View Map
Texas Elgin 78621 Bastrop View Map
Texas Fentress 78622 Caldwell View Map
Texas Fischer 78623 Comal View Map
Texas Fredericksburg 78624 Gillespie View Map
Texas Georgetown 78626 Williamson View Map
Texas Georgetown 78627 Williamson View Map
Texas Georgetown 78628 Williamson View Map
Texas Gonzales 78629 Gonzales View Map
Texas Cedar Park 78630 Williamson View Map
Texas Harper 78631 Gillespie View Map
Texas Harwood 78632 Gonzales View Map
Texas Hutto 78634 Williamson View Map
Texas Hye 78635 Blanco View Map
Texas Johnson City 78636 Blanco View Map
Texas Kingsbury 78638 Guadalupe View Map
Texas Kingsland 78639 Llano View Map
Texas Kyle 78640 Hays View Map
Texas Leander 78641 Williamson View Map
Texas Liberty Hill 78642 Williamson View Map
Texas Llano 78643 Llano View Map
Texas Lockhart 78644 Caldwell View Map
Texas Leander 78645 Travis View Map
Texas Leander 78646 Williamson View Map
Texas Luling 78648 Caldwell View Map
Texas Mc Dade 78650 Bastrop View Map
Texas Mc Neil 78651 Travis View Map
Texas Manchaca 78652 Travis View Map
Texas Manor 78653 Travis View Map
Texas Marble Falls 78654 Burnet View Map
Texas Mardale 78655 Caldwell View Map
Texas Maxwell 78656 Caldwell View Map
Texas Horseshoe Bay 78657 Llano View Map
Texas Ote 78658 Gonzales View Map
Texas Paige 78659 Bastrop View Map
Texas Pflugerville 78660 Travis View Map
Texas Prairie Lea 78661 Caldwell View Map
Texas Red Rock 78662 Bastrop View Map
Texas Round Mountain 78663 Blanco View Map
Texas Round Rock 78664 Williamson View Map
Texas San Marcos 78666 Hays View Map
Texas San Marcos 78667 Hays View Map
Texas Spicewood 78669 Travis View Map
Texas Staples 78670 Guadalupe View Map
Texas Stonewall 78671 Gillespie View Map
Texas Tow 78672 Llano View Map
Texas Walburg 78673 Williamson View Map
Texas Weir 78674 Williamson View Map
Texas Willow City 78675 Gillespie View Map
Texas Wimberley 78676 Hays View Map
Texas Wrightsboro 78677 Gonzales View Map
Texas Round Rock 78680 Williamson View Map
Texas Round Rock 78681 Williamson View Map
Texas Round Rock 78682 Williamson View Map
Texas Round Rock 78683 Williamson View Map
Texas Pflugerville 78691 Travis View Map
Texas Aus 78701 Travis View Map
Texas Aus 78702 Travis View Map
Texas Aus 78703 Travis View Map
Texas Aus 78704 Travis View Map
Texas Aus 78705 Travis View Map
Texas Aus 78708 Travis View Map
Texas Aus 78709 Travis View Map
Texas Aus 78710 Travis View Map
Texas Aus 78711 Travis View Map
Texas Aus 78712 Travis View Map
Texas Aus 78713 Travis View Map
Texas Aus 78714 Travis View Map
Texas Aus 78715 Travis View Map
Texas Aus 78716 Travis View Map
Texas Aus 78717 Williamson View Map
Texas Aus 78718 Travis View Map
Texas Aus 78719 Travis View Map
Texas Aus 78720 Travis View Map
Texas Aus 78721 Travis View Map
Texas Aus 78722 Travis View Map
Texas Aus 78723 Travis View Map
Texas Aus 78724 Travis View Map
Texas Aus 78725 Travis View Map
Texas Aus 78726 Travis View Map
Texas Aus 78727 Travis View Map
Texas Aus 78728 Travis View Map
Texas Aus 78729 Williamson View Map
Texas Aus 78730 Travis View Map
Texas Aus 78731 Travis View Map
Texas Aus 78732 Travis View Map
Texas Aus 78733 Travis View Map
Texas Aus 78734 Travis View Map
Texas Aus 78735 Travis View Map
Texas Aus 78736 Travis View Map
Texas Aus 78737 Hays View Map
Texas Aus 78738 Travis View Map
Texas Aus 78739 Travis View Map
Texas Aus 78741 Travis View Map
Texas Aus 78742 Travis View Map
Texas Aus 78744 Travis View Map
Texas Aus 78745 Travis View Map
Texas Aus 78746 Travis View Map
Texas Aus 78747 Travis View Map
Texas Aus 78748 Travis View Map
Texas Aus 78749 Travis View Map
Texas Aus 78750 Travis View Map
Texas Aus 78751 Travis View Map
Texas Aus 78752 Travis View Map
Texas Aus 78753 Travis View Map
Texas Aus 78754 Travis View Map
Texas Aus 78755 Travis View Map
Texas Aus 78756 Travis View Map
Texas Aus 78757 Travis View Map
Texas Aus 78758 Travis View Map
Texas Aus 78759 Travis View Map
Texas Aus 78760 Travis View Map
Texas Aus 78761 Travis View Map
Texas Aus 78762 Travis View Map
Texas Aus 78763 Travis View Map
Texas Aus 78764 Travis View Map
Texas Aus 78765 Travis View Map
Texas Aus 78766 Travis View Map
Texas Aus 78767 Travis View Map
Texas Aus 78768 Travis View Map
Texas Aus 78769 Travis View Map
Texas Aus 78772 Travis View Map
Texas Aus 78773 Travis View Map
Texas Aus 78774 Travis View Map
Texas Aus 78778 Travis View Map
Texas Aus 78779 Travis View Map
Texas Aus 78780 Travis View Map
Texas Aus 78781 Travis View Map
Texas Aus 78783 Travis View Map
Texas Aus 78785 Travis View Map
Texas Aus 78786 Travis View Map
Texas Aus 78788 Travis View Map
Texas Aus 78789 Travis View Map
Texas Aus 78798 Travis View Map
Texas Aus 78799 Travis View Map
Texas Uvalde 78801 Uvalde View Map
Texas Uvalde 78802 Uvalde View Map
Texas Asherton 78827 Dimmit View Map
Texas Barksdale 78828 Edwards View Map
Texas Batesville 78829 Zavala View Map
Texas Big Wells 78830 Dimmit View Map
Texas Brackettville 78832 Kinney View Map
Texas Camp Wood 78833 Real View Map
Texas Carrizo Springs 78834 Dimmit View Map
Texas Catarina 78836 Dimmit View Map
Texas Comstock 78837 Val Verde View Map
Texas Concan 78838 Uvalde View Map
Texas Crystal City 78839 Zavala View Map
Texas Del Rio 78840 Val Verde View Map
Texas Del Rio 78841 Val Verde View Map
Texas Del Rio 78842 Val Verde View Map
Texas Laughlin A F B 78843 Val Verde View Map
Texas Del Rio 78847 Val Verde View Map
Texas D Hanis 78850 Medina View Map
Texas Dryden 78851 Terrell View Map
Texas Eagle Pass 78852 Maverick View Map
Texas Eagle Pass 78853 Maverick View Map
Texas El Indio 78860 Maverick View Map
Texas Hondo 78861 Medina View Map
Texas Knippa 78870 Uvalde View Map
Texas Langtry 78871 Val Verde View Map
Texas La Pryor 78872 Zavala View Map
Texas Leakey 78873 Real View Map
Texas Quemado 78877 Maverick View Map
Texas Rio Frio 78879 Real View Map
Texas Rocksprings 78880 Edwards View Map
Texas Sabinal 78881 Uvalde View Map
Texas Tarpley 78883 Bandera View Map
Texas Utopia 78884 Uvalde View Map
Texas Vanderpool 78885 Bandera View Map
Texas Yancey 78886 Medina View Map
Texas Bleiblerville 78931 Aus View Map
Texas Carmine 78932 Fayette View Map
Texas Cat Spring 78933 Aus View Map
Texas Columbus 78934 Colorado View Map
Texas Alleyton 78935 Colorado View Map
Texas Ellinger 78938 Fayette View Map
Texas Fayetteville 78940 Fayette View Map
Texas Flatonia 78941 Fayette View Map
Texas Giddings 78942 Lee View Map
Texas Glidden 78943 Colorado View Map
Texas Industry 78944 Aus View Map
Texas La Grange 78945 Fayette View Map
Texas Ledbetter 78946 Fayette View Map
Texas Lexington 78947 Lee View Map
Texas Lincoln 78948 Lee View Map
Texas Muldoon 78949 Fayette View Map
Texas New Ulm 78950 Aus View Map
Texas Oakland 78951 Colorado View Map
Texas Plum 78952 Fayette View Map
Texas Rosanky 78953 Bastrop View Map
Texas Round Top 78954 Fayette View Map
Texas Schulenburg 78956 Fayette View Map
Texas Smithville 78957 Bastrop View Map
Texas Waelder 78959 Gonzales View Map
Texas Warda 78960 Fayette View Map
Texas Warrenton 78961 Fayette View Map
Texas Weimar 78962 Colorado View Map
Texas West Point 78963 Fayette View Map
Texas Adrian 79001 Oldham View Map
Texas Alanreed 79002 Gray View Map
Texas Allison 79003 Wheeler View Map
Texas Booker 79005 Lipscomb View Map
Texas Borger 79007 Hutchinson View Map
Texas Borger 79008 Hutchinson View Map
Texas Bovina 79009 Parmer View Map
Texas Boys Ranch 79010 Oldham View Map
Texas Briscoe 79011 Wheeler View Map
Texas Bushland 79012 Potter View Map
Texas Cactus 79013 Moore View Map
Texas Canadian 79014 Hemphill View Map
Texas Canyon 79015 Randall View Map
Texas Canyon 79016 Randall View Map
Texas Channing 79018 Hartley View Map
Texas Claude 79019 Armstrong View Map
Texas Cotton Center 79021 Hale View Map
Texas Dalhart 79022 Dallam View Map
Texas Darrouzett 79024 Lipscomb View Map
Texas Dawn 79025 Deaf Smith View Map
Texas Dimmitt 79027 Castro View Map
Texas Dumas 79029 Moore View Map
Texas Earth 79031 Lamb View Map
Texas Edmonson 79032 Hale View Map
Texas Farnsworth 79033 Ochiltree View Map
Texas Follett 79034 Lipscomb View Map
Texas Friona 79035 Parmer View Map
Texas Fritch 79036 Hutchinson View Map
Texas Groom 79039 Carson View Map
Texas Gruver 79040 Hansford View Map
Texas Hale Center 79041 Hale View Map
Texas Happy 79042 Swisher View Map
Texas Hart 79043 Castro View Map
Texas Hartley 79044 Hartley View Map
Texas Hereford 79045 Deaf Smith View Map
Texas Higgins 79046 Lipscomb View Map
Texas Kerrick 79051 Dallam View Map
Texas Kress 79052 Swisher View Map
Texas Lazbuddie 79053 Parmer View Map
Texas Lefors 79054 Gray View Map
Texas Lipscomb 79056 Lipscomb View Map
Texas Mclean 79057 Gray View Map
Texas Masterson 79058 Moore View Map
Texas Miami 79059 Roberts View Map
Texas Mobeetie 79061 Wheeler View Map
Texas Morse 79062 Hansford View Map
Texas Nazareth 79063 Castro View Map
Texas Olton 79064 Lamb View Map
Texas Pampa 79065 Gray View Map
Texas Pampa 79066 Gray View Map
Texas Panhandle 79068 Carson View Map
Texas Perryton 79070 Ochiltree View Map
Texas Plainview 79072 Hale View Map
Texas Plainview 79073 Hale View Map
Texas Sam Norwood 79077 Collingsworth View Map
Texas Sanford 79078 Hutchinson View Map
Texas Shamrock 79079 Wheeler View Map
Texas Skellytown 79080 Carson View Map
Texas Spearman 79081 Hansford View Map
Texas Springlake 79082 Lamb View Map
Texas Snett 79083 Hutchinson View Map
Texas Stratford 79084 Sherman View Map
Texas Summerfield 79085 Castro View Map
Texas Sunray 79086 Moore View Map
Texas Texline 79087 Dallam View Map
Texas Tulia 79088 Swisher View Map
Texas Umbarger 79091 Randall View Map
Texas Vega 79092 Oldham View Map
Texas Waka 79093 Ochiltree View Map
Texas Wayside 79094 Armstrong View Map
Texas Wellington 79095 Collingsworth View Map
Texas Wheeler 79096 Wheeler View Map
Texas White Deer 79097 Carson View Map
Texas Wildorado 79098 Oldham View Map
Texas Amarillo 79101 Potter View Map
Texas Amarillo 79102 Potter View Map
Texas Amarillo 79103 Potter View Map
Texas Amarillo 79104 Potter View Map
Texas Amarillo 79105 Potter View Map
Texas Amarillo 79106 Potter View Map
Texas Amarillo 79107 Potter View Map
Texas Amarillo 79108 Potter View Map
Texas Amarillo 79109 Randall View Map
Texas Amarillo 79110 Randall View Map
Texas Amarillo 79111 Potter View Map
Texas Amarillo 79114 Randall View Map
Texas Amarillo 79116 Potter View Map
Texas Amarillo 79117 Potter View Map
Texas Amarillo 79118 Randall View Map
Texas Amarillo 79119 Randall View Map
Texas Amarillo 79120 Potter View Map
Texas Amarillo 79121 Randall View Map
Texas Amarillo 79124 Potter View Map
Texas Amarillo 79159 Potter View Map
Texas Amarillo 79166 Potter View Map
Texas Amarillo 79168 Potter View Map
Texas Amarillo 79172 Potter View Map
Texas Amarillo 79174 Potter View Map
Texas Amarillo 79178 Potter View Map
Texas Amarillo 79185 Potter View Map
Texas Amarillo 79187 Potter View Map
Texas Amarillo 79189 Potter View Map
Texas Childress 79201 Childress View Map
Texas Afton 79220 Dickens View Map
Texas Aiken 79221 Floyd View Map
Texas Cee Vee 79223 Cottle View Map
Texas Chillicothe 79225 Hardeman View Map
Texas Clarendon 79226 Donley View Map
Texas Crowell 79227 Foard View Map
Texas Dickens 79229 Dickens View Map
Texas Dodson 79230 Collingsworth View Map
Texas Dougherty 79231 Floyd View Map
Texas Estelline 79233 Hall View Map
Texas Flomot 79234 Motley View Map
Texas Floydada 79235 Floyd View Map
Texas Guthrie 79236 King View Map
Texas Hedley 79237 Donley View Map
Texas Lakeview 79239 Hall View Map
Texas Lelia Lake 79240 Donley View Map
Texas Lockney 79241 Floyd View Map
Texas Mcadoo 79243 Dickens View Map
Texas Matador 79244 Motley View Map
Texas Memphis 79245 Hall View Map
Texas Odell 79247 Wilbarger View Map
Texas Paducah 79248 Cottle View Map
Texas Petersburg 79250 Hale View Map
Texas Quail 79251 Collingsworth View Map
Texas Quanah 79252 Hardeman View Map
Texas Quitaque 79255 Briscoe View Map
Texas Roaring Springs 79256 Motley View Map
Texas Silverton 79257 Briscoe View Map
Texas South Plains 79258 Floyd View Map
Texas Tell 79259 Childress View Map
Texas Turkey 79261 Hall View Map
Texas Abernathy 79311 Hale View Map
Texas Amherst 79312 Lamb View Map
Texas Anton 79313 Hockley View Map
Texas Bledsoe 79314 Cochran View Map
Texas Brownfield 79316 Terry View Map
Texas Bula 79320 Bailey View Map
Texas Crosbyton 79322 Crosby View Map
Texas Denver City 79323 Yoakum View Map
Texas Enochs 79324 Bailey View Map
Texas Farwell 79325 Parmer View Map
Texas Fieldton 79326 Lamb View Map
Texas Idalou 79329 Lubbock View Map
Texas Justiceburg 79330 Garza View Map
Texas Lamesa 79331 Dawson View Map
Texas Levelland 79336 Hockley View Map
Texas Levelland 79338 Hockley View Map
Texas Littlefield 79339 Lamb View Map
Texas Loop 79342 Gaines View Map
Texas Lorenzo 79343 Crosby View Map
Texas Maple 79344 Bailey View Map
Texas Meadow 79345 Terry View Map
Texas Morton 79346 Cochran View Map
Texas Muleshoe 79347 Bailey View Map
Texas New Deal 79350 Lubbock View Map
Texas Odonnell 79351 Lynn View Map
Texas Pep 79353 Hockley View Map
Texas Plains 79355 Yoakum View Map
Texas Post 79356 Garza View Map
Texas Ralls 79357 Crosby View Map
Texas Ropesville 79358 Hockley View Map
Texas Seagraves 79359 Gaines View Map
Texas Seminole 79360 Gaines View Map
Texas Shallowater 79363 Lubbock View Map
Texas Slaton 79364 Lubbock View Map
Texas Ransom Canyon 79366 Lubbock View Map
Texas Smyer 79367 Hockley View Map
Texas Spade 79369 Lamb View Map
Texas Spur 79370 Dickens View Map
Texas Sudan 79371 Lamb View Map
Texas Sundown 79372 Hockley View Map
Texas Tahoka 79373 Lynn View Map
Texas Tokio 79376 Yoakum View Map
Texas Welch 79377 Dawson View Map
Texas Wellman 79378 Terry View Map
Texas Whiteface 79379 Cochran View Map
Texas Whitharral 79380 Hockley View Map
Texas Wilson 79381 Lynn View Map
Texas Wolfforth 79382 Lubbock View Map
Texas New Home 79383 Lynn View Map
Texas Lubbock 79401 Lubbock View Map
Texas Lubbock 79402 Lubbock View Map
Texas Lubbock 79403 Lubbock View Map
Texas Lubbock 79404 Lubbock View Map
Texas Lubbock 79405 Lubbock View Map
Texas Lubbock 79406 Lubbock View Map
Texas Lubbock 79407 Lubbock View Map
Texas Lubbock 79408 Lubbock View Map
Texas Lubbock 79409 Lubbock View Map
Texas Lubbock 79410 Lubbock View Map
Texas Lubbock 79411 Lubbock View Map
Texas Lubbock 79412 Lubbock View Map
Texas Lubbock 79413 Lubbock View Map
Texas Lubbock 79414 Lubbock View Map
Texas Lubbock 79415 Lubbock View Map
Texas Lubbock 79416 Lubbock View Map
Texas Lubbock 79423 Lubbock View Map
Texas Lubbock 79424 Lubbock View Map
Texas Lubbock 79430 Lubbock View Map
Texas Lubbock 79452 Lubbock View Map
Texas Lubbock 79453 Lubbock View Map
Texas Lubbock 79457 Lubbock View Map
Texas Lubbock 79464 Lubbock View Map
Texas Lubbock 79490 Lubbock View Map
Texas Lubbock 79491 Lubbock View Map
Texas Lubbock 79493 Lubbock View Map
Texas Lubbock 79499 Lubbock View Map
Texas Anson 79501 Jones View Map
Texas Aspermont 79502 Stonewall View Map
Texas Avoca 79503 Jones View Map
Texas Baird 79504 Callahan View Map
Texas Benjamin 79505 Knox View Map
Texas Blackwell 79506 Nolan View Map
Texas Buffalo Gap 79508 Taylor View Map
Texas Clyde 79510 Callahan View Map
Texas Coahoma 79511 Howard View Map
Texas Colorado City 79512 Mitchell View Map
Texas Dunn 79516 Scurry View Map
Texas Fluvanna 79517 Scurry View Map
Texas Girard 79518 Kent View Map
Texas Goldsboro 79519 Coleman View Map
Texas Hamlin 79520 Jones View Map
Texas Haskell 79521 Haskell View Map
Texas Hawley 79525 Jones View Map
Texas Hermleigh 79526 Scurry View Map
Texas Ira 79527 Scurry View Map
Texas Jayton 79528 Kent View Map
Texas Knox City 79529 Knox View Map
Texas Lawn 79530 Taylor View Map
Texas Loraine 79532 Mitchell View Map
Texas Lueders 79533 Jones View Map
Texas Mc Caulley 79534 Fisher View Map
Texas Maryneal 79535 Nolan View Map
Texas Merkel 79536 Taylor View Map
Texas Nolan 79537 Nolan View Map
Texas Novice 79538 Coleman View Map
Texas O Brien 79539 Haskell View Map
Texas Old Glory 79540 Stonewall View Map
Texas Ovalo 79541 Taylor View Map
Texas Roby 79543 Fisher View Map
Texas Rochester 79544 Haskell View Map
Texas Roscoe 79545 Nolan View Map
Texas Rotan 79546 Fisher View Map
Texas Rule 79547 Haskell View Map
Texas Rule 79548 Haskell View Map
Texas Snyder 79549 Scurry View Map
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