Tax-Smart Home Approval™ for Owner-Operators
🔒 NMLS # 2311843 🏠 Equal Housing Opportunity ⚡️ No Credit Pull Required
Tax-Smart Home Approval™
powered by America's Best Lending
🔒 NMLS # 2311843 • 🏠 Equal Housing Opportunity • ⚡️ No Credit Pull Required
For owner-operator truck drivers
Don't let your taxes stop you from buying a home.
The Tax-Smart Home Approval™ system helps qualified owner-operators and 1099 truck drivers explore a low-down-payment mortgage path when write-offs make traditional approval difficult.
No credit pull. No tax returns to upload. Best fit for drivers with 2+ years in business, 640+ credit, and no current FHA loan.
Built for self-employed truck driver income – we get how it works
Aligned with your current tax strategy – keep your current write offs
May help you avoid the typical 20% down route – 3.5% down is possible
You don't need 20% down – qualify with just a 3.5% down payment
Quick Fit Check
Owner-operator truck driver
2+ years self-employed
640+ estimated credit score
Buying a primary residence
If this sounds like you, this program may be for you. It takes less than 2 minutes to check.
Built for self-employed truck driver income – we get how it works
Aligned with your current tax strategy – keep your current write offs
May help you avoid the typical 20% down route – 3.5% down is possible
You don't need 20% down – qualify with just a 3.5% down payment
You've Probably Heard One of These Three Things. All Three Are Wrong For Owner-Operators!
Common mortgage (bad) advice for self-employed drivers — and why each one fails owner-operators.
"Show more income on next year's returns."
Translation: pay tax on income you don't legally owe taxes on. Basically skip your business expenses and deductions, and burn $15K–$40K owed to the IRS, just to qualify for a 30-year home loan. Hard pass.
"Just put 20% down on a bank statement loan."
Easy advice from someone who isn't writing the check. On a $350K home, that's $70K cash before closing costs. Most owner-operators didn't spend the last 5 years building their authority just to drain their reserves into a single transaction.
"Bring a co-signer or buy a smaller house."
Translation: your business doesn't count as real. Add a W-2 spouse to the file or shrink your dreams. Owner-operators built businesses precisely so they wouldn't have to ask permission. They shouldn't have to ask it from a mortgage either.
You don't have an income problem.
You have a qualification problem.
And qualification problems have a fix. The right loan product, the right documentation path, the right lender — for owner-operators specifically.
INTRODUCING
The Tax-Smart Home Approval™
A mortgage strategy built for owner-operators — that actually works with your taxes and not against.
Most lenders and loan officers see your Tax Returns and freeze. We don't. We've spent 5+ years finding the right loan structure, the right documentation path, and the right system for drivers like you — without asking you to throw away thousands in legal deductions.
You drive the truck. We drive the file. You get the keys.
1
2 min • today
Pre-Screen
Answer 4 quick questions. No credit pull. No documents required. Know in plain English if you fit.
2
this week
Strategy Call
15 minutes with our team. We tell you the payment range for your numbers and go over document list.
3
days, not months
Pre-Approval
File runs. Letter issued. You go shopping. Most clients get the keys in 30–45 days from accepted offer.
what's included
Everything you get when you qualify:
Tax-Smart Mortgage Strategy Session
Full review of your business structure, income type, and business financials. This is mapped to the exact home loan that fits.
$497 value
Pre-Approval Letter Express
Engineered to be accepted by sellers and agents — not flagged by underwriters mid-deal. Shop for homes with certainty from day one, make your offer stronger.
$295 value
Realtor Match
We connect you with a buyer's agent in your area who actually knows how self-employed deals close. Not every agent knows how to write an offer that a seller will accept. We make sure yours does.
$375 value
Seller Concession Strategy
A specific game plan for what to ask the seller to pay on your behalf at closing — discount points to buy down your rate, closing cost credits, rate-lock extensions — calibrated to your loan and your local market.
$295 value
Built-In Refi
We watch rates from day one. After your 6th on-time payment, we call you to drop your payment. No new appraisal, no income re-verification, no closing-cost cash out of pocket with an FHA Streamline.
$495 value
+ bonus when you close
One Full Year of Personal Tax Filing — Free
Done by our in-house tax pro who actually understands trucker deductions. Not a chain-store seasonal hire. $450 value.
— OR —
Up to $500 Credit Toward Business Tax Returns
Prefer help on the business side? Use the credit toward your S-Corp, LLC, or sole-prop returns. Same in-house tax pro. $500 value.
total real value
$2,407 – $2,457
Yours when you qualify.
what's included
Everything you get when you qualify:
Tax-Smart Mortgage Strategy Session
Full review of your business structure, income type, and business financials. This is mapped to the exact home loan that fits.
$497 value
Pre-Approval Letter Express
Engineered to be accepted by sellers and agents — not flagged by underwriters mid-deal. Shop for homes with certainty from day one, make your offer stronger.
$295 value
Realtor Match
We connect you with a buyer's agent in your area who actually knows how self-employed deals close. Not every agent knows how to write an offer that a seller will accept. We make sure yours does.
$375 value
Seller Concession Strategy
A specific game plan for what to ask the seller to pay on your behalf at closing — discount points to buy down your rate, closing cost credits, rate-lock extensions — calibrated to your loan and your local market.
$295 value
Built-In Refi
We watch rates from day one. After your 6th on-time payment, we call you to drop your payment. No new appraisal, no income re-verification, no closing-cost cash out of pocket with an FHA Streamline.
$495 value
+ bonus when you close
One Full Year of Personal Tax Filing — Free
Done by our in-house tax pro who actually understands trucker deductions. Not a chain-store seasonal hire. $450 value.
— OR —
Up to $500 Credit Toward Business Tax Returns
Prefer help on the business side? Use the credit toward your S-Corp, LLC, or sole-prop returns. Same in-house tax pro. $500 value.
total real value
$2,407 – $2,457
Yours when you qualify.
Bonus eligibility confirmed at closing. Full terms shared on your Strategy Call.
Real Drivers. Real Closings. Real Keys.
5+ years specializing in self-employed borrowers. NMLS #2311843. Hundreds of owner-operators served. Broker — not a single-bank lender.
★★★★★
"I was told by 2 different lenders that I don't make enough money on paper. One said I can put 20% down and do a Bank Statement loan. Thank god a friend knew David and his team was able to get me approved with just 3.5% down."
Odar C.
Flatbed Owner-Operator • 1099 Lease Driver • Houston, TX
★★★★★
"My family and I loved this new construction home. I'd been turned down by the builder's lenders. They wanted me to redo my taxes and pay an extra $19K to the IRS. David figured out a path in one phone call. Closed in 32 days."
Enmanuel F.
Hot Shot Owner-Operator • 3 years on his authority • Conroe, TX
★★★★★
"I wasted 3 years debating if I should buy a house. I just didn't like the plan I was given to pay a lot to the IRS. But David's team figured out a way for me to buy my home and helped me save $20K in my taxes. I'm forever grateful."
Xavier C.
Dump Truck Owner-Operator • 1099 Driver • Spring, TX
Last names abbreviated for privacy. Used with written client permission.
David Herrera
NMLS #2311843
Co. NMLS #1936058
Mortgage Broker • HomeView Lending, powered by America's Best Lending
Mortgage Broker • HomeView Lending, powered by America's Best Lending
"If you've been driving 2+ years, paying your bills, and saving for a down payment, you've earned the right to own a home. My job is to find the lender who agrees."
Not Every Owner-Operator Qualifies. Here's Who We're Looking For.
The Perfect Fit:
Owner-operator — own or lease your truck (your own authority OR leased onto a carrier)
2+ years self-employed driving
640+ credit score (rough — we'll confirm on the call)
3+ credit trade lines (we need to see credit activity for 2+ years)
Buying a primary residence
No current FHA loan in your name
If you're a W-2 company driver, less than 24 months self-employed, or shopping for a flip or rental — this specific program isn't the right fit, but we have other paths. The form will route you to the right loan officer.
If 5 of 6 sound like you, hit the form below. We'll tell you the truth.
START HERE
Your 2-Minute Pre-Screen
Answer 4 short steps so we can see if your profile looks like a possible fit. No credit pull. No documents.
Our promise: If you don't qualify today, you don't get ghosted. You get a free Driver's Roadmap — a 1-page plan showing what to fix and when to come back. Yours to keep, no strings.
4 short steps • 2 minutes
No credit pull during pre-screen
Clear next step after review
Questions Drivers Always Ask
Honest answers — before you start the pre-screen.
Will this hurt my credit?
No. The pre-screen does NOT pull your credit. A soft check only happens after we both agree on the call that the program fits. You stay in control.
Do I have to amend my tax returns or pay extra to the IRS?
No. The whole point of the program is qualifying with your write-offs in place. If a loan officer is asking you to "show more income," they don't have the right product for you.
I've been turned down by 2 banks. Why would this be different?
Banks have limited programs available. As a broker we shop your file across multiple lenders and use programs with flexible income solutions most banks (and even most brokers) don't offer. Different rules. Different result.
What does this cost me?
Nothing upfront. The pre-screen and Strategy Call are free, and there's no charge to find out if you qualify. Your costs come at closing: standard third-party fees (appraisal, title, etc.) plus our loan origination fee — all disclosed in writing, upfront, before you commit. No hidden markup, no surprise fees on the closing statement.
I'm a company driver, not an owner-operator. Can I still apply?
This specific program is built for owner-operators with 2+ years on their authority. Hit the form anyway and check "company driver" — we have other paths with AMAZING loan programs. We will route you to the right loan officer.
Stop Letting Your Tax Returns Decide Where Your Family Lives.
Seven minutes from right now, you'll know if Tax-Smart Home Approval™ is the path to your own front door. If it is, we'll show you exactly how. If not, we'll show you what to fix and when to come back. Either way — a real answer.
100% free. No Credit pull. NMLS #2311843.
HomeView Lending, powered by America's Best Lending
• 17920 Huffmeister Rd, Suite 300
• Cypress, TX 77429
• 346-460-7272
Licensing
• David Herrera • NMLS #2311843
• America's Best Lending • Co. NMLS #1936058
• Licensed in: TX
Equal Housing
• Cypress, TX 77429
We do business in accordance with Federal Fair Housing Law.
HomeView Lending is powered by America's Best Lending. Loan products and services are offered by America's Best Lending, Company NMLS #1936058. David Herrera, NMLS #2311843. Licensed in TX. Verify license information at NMLS Consumer Access: www.nmlsconsumeraccess.org.
Equal Housing Opportunity Lender. All loans subject to credit approval. Rates, terms, and program availability are subject to change without notice. This is not a commitment to lend. Pre-qualification is not a final loan approval and is based on information provided by the consumer. Final loan approval is subject to verification of application information, satisfactory property appraisal, title review, and underwriting approval.
Bonus terms: The free year of personal tax filing OR up to $500 credit toward business tax returns is available to qualified borrowers who close a loan with HomeView Lending / America's Best Lending. Bonus is fulfilled by an in-house tax professional. Full bonus terms, eligibility, and tax-service scope are disclosed during the Strategy Call and prior to loan closing. Bonus has no cash value, is non-transferable, and is contingent on successful loan closing.
Privacy: We do not sell your information. By submitting the form on this page, you consent to be contacted by phone, text, or email. Reply STOP to opt out of text messages.
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