Home financing in Andrews County.

Andrews County sits in the heart of the Permian Basin. The local economy runs heavily on oil and gas, agriculture, and the trades. Many residents are self-employed contractors, oilfield workers paid by the job, or small-business owners — income types that can look unusual on paper but are absolutely financeable with the right lender.

**You may qualify if you:**

• Have steady income from employment, self-employment, or a trade — even if it varies by season or project.

• Have lived or worked in the area for at least one to two years (some lenders require this).

• Have a credit score of 580 or higher (FHA minimum) — though higher scores open more doors.

• Can document your income through tax returns, bank statements, or profit-and-loss statements.

• Are a U.S. citizen, permanent resident, or hold an ITIN (see Section 4 for ITIN-specific lenders).

**Self-employed and gig workers:** Many Andrews County contractors work oilfield jobs or agricultural trades without traditional pay stubs. Bank-statement loans and stated-income programs exist for exactly this situation. A local CDFI or community lender is often more flexible than a large national bank.

**Undocumented income or mixed immigration status:** ITIN mortgage programs do not require a Social Security Number or lawful permanent residency. Several Texas-based lenders and credit unions offer them. You will need to show 12–24 months of consistent income history.

**Low down payment:** Down payment assistance is available through state programs (see Section 5). You do not need to have 20% saved.

Every lender is a little different, but here is what most will ask for when you apply for a home loan in Texas:

**Identity & Residency**

• Government-issued photo ID (driver's license, passport, or consular ID/matrícula consular)

• Social Security Number OR ITIN card/letter

• Proof of residency (utility bills, lease, or mail)

**Income Verification**

• Last two years of federal tax returns (Form 1040, including Schedule C if self-employed)

• Last two to three months of pay stubs (if traditionally employed)

• Last 12–24 months of bank statements (especially for self-employed or contract workers)

• Profit-and-loss statement from your accountant (if self-employed)

• 1099 forms if you work as an independent contractor

**Assets & Debts**

• Last two to three months of bank/savings account statements

• Records of any other assets (vehicles, equipment, land)

• A list of current monthly debts (car loans, credit cards, child support, etc.)

**Property**

• Signed purchase contract for the home you want to buy

• Property address for appraisal

**Tip:** Keep digital copies of all these documents in a folder on your phone or computer. Some lenders in the Permian Basin area allow you to submit everything electronically. If you are missing any document, ask the lender what alternatives are accepted — there is often more than one way to verify the same information.