10/14/2026
TAMP, the True Alternative Mortgage Program from The Texas Mortgage Pros, is a rent-to-own homeownership pathway for Texas buyers who have the income to buy a home but don't meet traditional mortgage guidelines yet.
How it works:
1. An approved partner entity purchases the home from the seller and holds legal title.
2. The buyer moves in and makes payments under the agreement.
3. While living in the home, the buyer works toward mortgage eligibility.
4. Once qualified, the buyer may transition into FHA, VA, or conventional financing and own the home in their own name.
Why it matters for realtors and loan officers:
A wider qualification box means more closable opportunities from buyers you might otherwise have to turn away, including:
- ITIN and DACA buyers
- Buyers with thin or rebuilding credit
- Self-employed, 1099, tipped, and gig income earners
- Buyers recovering from bankruptcy
- Buyers who need time to build savings or stabilize income
Qualification details, income documentation options, and funds-to-close guidelines are in the images above.
Have a client who's close but not mortgage-ready? Let's talk. Learn more here: https://thetexasmortgagepros.com/loans/rent-to-own-home-program/
The Texas Mortgage Pros | NMLS #2665861 | Equal Housing Opportunity
Program availability and terms subject to eligibility and program provider requirements.
