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Bank statement and P&L-only loans that count what your business actually earns.
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Urdu · Hindi · Gujarati · Punjabi
A mortgage broker who speaks your language
For South Asian families in Sugar Land, Houston and across Texas: home loans explained in Urdu, Hindi, Gujarati and Punjabi, by a loan officer who understands how our families buy homes.
گھر خریدنا اب آسان
UrduHome loans explained in Urduघर खरीदना अब आसान
HindiHome loans explained in Hindiઘર ખરીદવું હવે સરળ
GujaratiHome loans explained in Gujaratiਘਰ ਖਰੀਦਣਾ ਹੁਣ ਆਸਾਨ
PunjabiHome loans explained in PunjabiBuilt for how our families buy
What makes these files different
Joint family households, business income, money held overseas, a first U.S. credit history. These are normal for our community and they’re exactly where most banks get stuck.
Money in Pakistan or India
Lenders that accept documented foreign income, foreign assets and international transfers.
DSCR & foreign incomeITIN & limited credit
Options for ITIN holders and borrowers building U.S. credit for the first time.
ITIN mortgagesGift funds & co-borrowers
Use documented family gifts and add relatives to the loan where the program allows.
Rental portfolios
DSCR loans that close in an LLC and qualify on the rent, not your tax return.
Investor loansBuying from overseas
Foreign national loans for family members purchasing in Houston from abroad.
Foreign national loansFAQ
Questions families ask
Can my parents or relatives join the call?
Yes, and many families prefer it. Shehzad can explain the process in Urdu, Hindi, Gujarati or Punjabi so everyone involved understands the decision.
Can family members gift money for the down payment?
Many loan programs allow documented gift funds from relatives. Shehzad will explain the gift letter and paper trail lenders need, including for funds coming from overseas.
Can I use income or assets from Pakistan or India?
Some lenders accept documented foreign income or foreign assets, and DSCR investor loans may not require personal income at all. Shehzad matches your file to the lenders that allow it.
Are documents available in my language?
Loan documents are issued in English, but Shehzad will walk you through each one in your language so you know exactly what you’re signing.
Let’s find your yes.
A 30-minute call. No pressure, no hard credit pull to talk through options.