Willow Bend Mortgage
Since our founding in 1993, we’ve established ourselves as a top, privately-owned mortgage company in the state of Texas. Our corporate mission is to be the best mortgage company to work with, and to work for. This begins and ends with employing the best team in the industry. The professionals at WBM have one common goal… to provide our customers with the best possible experience in financing their dreams.
We are a community-based, relationship lender. However, we provide an industry-leading technology platform that is second to none. This gives us the unique ability to guide our clients through the ever-changing challenges of the mortgage business. We are extremely proud, and even more thankful, for the relationships we’ve made with the customers we’ve had the privilege to serve – for almost 30 years.
Our Mission
To value our customers, partners and employees as the family that they are with loyalty, honor, respect and love.
Loan Programs Offered...
🏡 FHA 100% Financing
✅ $0 Down - 100% Financing
✅ Flexible Credit Scores Accepted
✅ Gift Funds Accepted – Use gift money for your down payment
✅ Seller Paid Closing Costs Allowed
✅ Non-occupant Co-borrowers Allowed – Family members can help qualify
✅ High Debt-to-Income Ratio Allowed – More flexible approval
🎁 Down Payment Assistance Programs
🏡 Grant Program
✅ Grant up to 5% of the first mortgage loan amount (subject to market conditions)
✅ Max purchase price: $381,308
✅ Income limit: $120,750 (qualifying income only)
✅ Minimum 620 credit score for FHA/VA
✅ Minimum 640 credit score for Conventional
🎁 Down Payment Assistance Programs
🔄 3-10 Year Deferred Forgivable 2nd Lien
✅ Second loan up to 5% of the first mortgage loan amount (subject to market conditions)
✅ Max purchase price: $492,500
✅ Income limit: $111,720 (qualifying income only)
✅ Minimum 620 credit score for FHA/VA
✅ Minimum 640 credit score for Conventional
Texas State Affordable Housing Corporation (TSAHC)
🏠 Fixed-Rate Loans with Down Payment Assistance (DPA)
✅ Several rate, loan, and DPA options available
✅ DPA up to 5% of the total loan amount
💲 Mortgage Credit Certificates
✅ Tax credit that reduces federal income taxes annually
✅ Available for first-time buyers (who haven't owned a home in 3 years)
✅ Can be used with TSAHC's DPA
📌 Conventional Loans
✅ Up to 97% Loan-to-Value (LTV)
✅ Minimum 620 credit score
✅ Ideal for buyers with good credit history & savings
📌 VA Loans
(For Veterans & Active Duty)
✅ 100% financing with a 600+ credit score
✅ Available for eligible veterans and active-duty military personnel
✅ Honorable discharge required (if no longer active duty)
📌 USDA Loans
📌 USDA Loans (For Rural Areas)
✅ 100% financing for 620+ credit scores
✅ Seller can pay up to 6% of closing costs
✅ Must be in a USDA-approved area and meet income guidelines
💰 Jumbo Loan Prog
✅ Max loan amount up to $4M
✅ Minimum 550 credit score
✅ Up to 95% LTV
💼 Self-Employed Borrowers
✅ No tax returns required
✅ Business active for at least 2 years
✅ Qualify using 12- & 24-month bank statements, P&L statements, or 1099s
✅ Loan amounts up to $3.5M
🏠 Investor Advantage Prog
✅ Qualify using property cash flow instead of income
✅ Loan amounts up to $2M
✅ No Debt-to-Income (DTI) restrictions
✅ Up to 85% LTV with a 620 credit score
🩺 Doctor Loan Program
✅ 100% financing available for 720+ credit scores
✅ Student loan debt excluded from ratio calculations
✅ Max loan amount $1M
📌 ITIN Home Mortgage Loans
🛠 ITIN Loan Requirements
✅ Must have valid ITIN (verified by ITIN card or IRS letter)
✅ At least one borrower must have an unexpired ITIN
✅ Borrower(s) must provide valid identification
🏡 ITIN Loan Benefits
✅ Low down payment options
✅ Fast pre-approval process
Contact Us
Better yet, see us in person!
We love our customers, so feel free to visit during normal business hours.
Hours
Open today | 09:00 am – 05:00 pm |
