HomeTrust Mortgage Company

HomeTrust Mortgage Company Exceptional service, outstanding mortgage loan programs and a dedicated customer-focused team. Equal Housing Opportunity NMLS 149932

If you're self-employed, figuring out how much income you can use to qualify for a mortgage isn't always as simple as it...
09/03/2026

If you're self-employed, figuring out how much income you can use to qualify for a mortgage isn't always as simple as it sounds.

The income you earn, the income shown on your tax return and the income a lender may be able to use aren't necessarily the same number.

How long you've been self-employed, your business structure, expenses and deductions, income trends and other details can all matter.

And mortgage guidelines aren't static. Requirements and available programs can change, which makes it important to know that the information you're relying on is both current and applicable to your situation.

The tip: If you're self-employed and thinking about buying a home, start the conversation with a HomeTrust loan officer early.

They can review your actual situation, explain how your income may be evaluated and help you understand where you stand before you're ready to apply. Because when you're self-employed, the details can make a big difference.

Your down payment and your cash to close aren’t necessarily the same number.In addition to your down payment, closing co...
09/01/2026

Your down payment and your cash to close aren’t necessarily the same number.

In addition to your down payment, closing costs and prepaid expenses can affect how much you’ll need at closing. Earnest money, seller credits, lender credits and other adjustments can affect that number, too.

Knowing the difference early can help you plan.

Have questions about how much cash you may need to buy a home? Reach out to a HomeTrust Loan Officer. We’re happy to help you understand what to expect.

When it comes to getting a mortgage, boring can be a good thing.You’re kept informed along the way, you know what to exp...
08/31/2026

When it comes to getting a mortgage, boring can be a good thing.

You’re kept informed along the way, you know what to expect, and the details are handled without unnecessary surprises. Things simply keep moving the way they should.

That’s the kind of boring we like.

Because getting the mortgage is only part of the story. Making the home yours? That’s where the fun begins.

Some of the best parts of having a home are the ones you never put on the wish list.A backyard gives you space. But what...
08/27/2026

Some of the best parts of having a home are the ones you never put on the wish list.

A backyard gives you space. But what happens in that space is what makes it yours. Saturday mornings, little routines, someone following in your footsteps, and moments you may not realize matter until later.

Because sometimes, the things that make a house feel most like home are surprisingly ordinary.

HomeTrust Mortgage...Keeping Lending Personal

Thinking about changing jobs and buying a home? You may have heard it's better to wait.That's not necessarily true.Movin...
08/25/2026

Thinking about changing jobs and buying a home? You may have heard it's better to wait.

That's not necessarily true.

Moving from one salaried position to another may be perfectly fine. But changing how you're paid, such as moving from salary to commission or becoming self-employed, can affect the income that may be used to qualify.

And here's the problem with general advice: it can't always account for the details that make your situation different.

The tip: If a home purchase may be in your future, talk to a HomeTrust loan officer before making a significant employment change. Tell them what you're considering and let them help you understand whether it could affect your plans.

You don't have to be ready to apply for a mortgage to have that conversation. In fact, often the best time to talk to a loan officer is before you make the decisions that could affect your mortgage later.

The purchase price is only part of the picture.Your monthly housing cost can include principal and interest, property ta...
08/24/2026

The purchase price is only part of the picture.

Your monthly housing cost can include principal and interest, property taxes, homeowners insurance, mortgage insurance and HOA dues, when applicable.

Understanding those pieces can help you look beyond the price tag and focus on what works for your budget each month.

Have questions about what a monthly payment could look like for you? Reach out to a HomeTrust Loan Officer. We're always happy to help you understand the numbers.

Falling in love with a house is the fun part. Knowing whether it actually works for you? That’s where a little planning ...
08/20/2026

Falling in love with a house is the fun part. Knowing whether it actually works for you? That’s where a little planning goes a long way.

Having a clear picture of your finances before you start shopping can help you look at homes differently, compare your options more confidently and make decisions based on more than the list price.

You don’t need to have it all figured out before you start. We can help you put the numbers together so you know what works for you.

Buying a new home while selling your current one can feel like a timing puzzle. You may assume you have to sell first be...
08/18/2026

Buying a new home while selling your current one can feel like a timing puzzle. You may assume you have to sell first before you can even think about what comes next.

But that isn’t always the case.

Depending on your equity, finances and loan options, there may be ways to purchase before your current home sells.

Before you put your plans on hold, talk with a HomeTrust Loan Officer about what may be possible for you.

Pay off your debt before applying for a mortgage. Sounds like pretty good advice, right?Usually. But there's a little mo...
08/17/2026

Pay off your debt before applying for a mortgage. Sounds like pretty good advice, right?

Usually. But there's a little more nuance to it.

When qualifying for a mortgage, the monthly payment on a debt can sometimes matter more than the balance. So using thousands of dollars to pay off one debt may not help you as much as paying off another. In some situations, keeping that money available for your down payment, closing costs or reserves may make more sense.

The tip: Before you start moving money around to get “mortgage ready,” have a HomeTrust loan officer look at your situation. They can help you understand which decisions may actually make a difference.

ChatGPT's advice to reduce debt isn't necessarily wrong. It just may not be the right advice for you. And that's an important distinction when you're making decisions with your money.

Some of life's biggest milestones don't happen at school or on a stage.They happen close to home.A driveway becomes the ...
08/14/2026

Some of life's biggest milestones don't happen at school or on a stage.

They happen close to home.

A driveway becomes the place where confidence grows, encouragement matters, and "I can't" becomes "I did."

Home isn't just where life happens.

It's where ordinary moments become lifelong memories.

What milestone makes you think of home?

Address

5353 W Alabama Suite 500
Houston, TX
77056

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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