
This guide helps solo contractors, small investors, and everyday residents of Kerr County, Texas understand their personal financing options in plain, honest language. It highlights local credit unions, CDFIs, and community lenders that actually serve the Hill Country region — not just national programs. Whether you have a Social Security number or an ITIN, there are real pathways here for you. Read at your own pace, ask questions, and never feel pressured to sign anything you don't fully understand.
Ask Iris. She'll explain it the way it should have been explained the first time.