New Hybrid Earned Equity and Rent-to-Own Program Backed by FHA-Style Financing Opens the Door for Buyers Who Thought Homeownership Was Out of Reach

The Texas Mortgage Pros (NMLS #2665861) announced the rollout of its True Alternative Mortgage Program (TAMP), a hybrid Earned Equity Program and rent-to-own equity pathway designed to help homebuyers move into a home sooner while building equity along the way. The Texas Mortgage Pros' innovative True Alternative Mortgage Program (TAMP) is a first-of-its-kind hybrid financing solution designed to bridge the gap between renting and owning a home. TAMP combines the structure of an Earned Equity Program with the flexibility of a Rent-to-Own Equity Program, all underpinned by FHA-style financing, making sustainable homeownership achievable for a broader range of Texans than ever before.

TAMP is built for buyers who are financially capable but not yet fully mortgage-ready by traditional timelines. This often includes households improving credit, self-employed borrowers with complex documentation, or families who do not want to spend years waiting on the sidelines while the market changes.

"We've spent years watching hardworking Texans get turned away from homeownership, not because they couldn't afford a home, but because the traditional system wasn't built for their situation," said Jason B. Turner, NMLS #286357, Broker Principal at The Texas Mortgage Pros. "TAMP changes that conversation entirely. This isn't a workaround or a loophole; it's a legitimate, structured pathway that lets buyers start building real equity from day one, even before they're in a position to close on a traditional mortgage. We're genuinely proud to bring this to Texas."

How TAMP Works

While program structures can vary based on provider requirements, The Texas Mortgage Pros describes the TAMP flow as a practical, milestone-based process:

  • You choose the house that you'd like to buy.

  • You qualify for the program (this is not the same as being fully approved for a standard mortgage on day one).

  • A partner entity purchases the home in a structure designed for FHA-style financing.

  • You move in under an agreement designed to lead to ownership, often structured as a longer-term arrangement.

  • You build earned equity over time through on-time payments and performance in the program.

  • You transition to full ownership when you meet the milestones and convert into the final mortgage step.

For many buyers, that sequence changes everything. You are no longer stuck waiting, renewing leases, and hoping next year is your year. You live in the home while taking measurable steps toward ownership.

Who TAMP Is Designed For

TAMP is structured to serve buyers who face common but often overlooked barriers to homeownership, including those who:

  • Are working to rebuild or establish credit and need more time before qualifying for traditional financing.

  • Have a steady income but limited funds saved for a conventional down payment.

  • Have experienced past financial setbacks, such as bankruptcy, foreclosure, or divorce, and are in recovery mode.

  • Are self-employed or have non-traditional income that makes standard mortgage qualification more complex.

  • Simply want a structured, lower-risk way to try a home and neighborhood before committing to a purchase.

"TAMP was built for hardworking Texans who are doing the right things, but may need a practical bridge between where they are today and where they want to be as homeowners," said Jason B. Turner (NMLS #286357), Broker Principal at The Texas Mortgage Pros.

Turner added, "Our mission is to help clients move into a home as quickly and efficiently as possible, and to guide them through every step of their path to homeownership."

More information about TAMP, including eligibility details and how to get started, is available at: https://thetexasmortgagepros.com/loans/rent-to-own-home-program/

About The Texas Mortgage Pros

The Texas Mortgage Pros is a full-service mortgage brokerage headquartered in Spring, Texas, serving buyers and homeowners across the state. With a deep portfolio of loan products, from FHA and VA to conventional, jumbo, construction, and non-QM loans, the team brings a client-first philosophy to every transaction. Led by Broker Principal Jason B. Turner, NMLS #286357. The team specializes in matching borrowers to programs that reflect real-life income, credit, and timing, and is strongly committed to service and long-term homeownership success. The Texas Mortgage Pros is committed to making homeownership accessible, understandable, and achievable for every Texan.

Media Contact

Company Name:
The Texas Mortgage Pros, NMLS #2665861

Contact Person:
Jason B. Turner, NMLS #286357, Broker Principal

Email:

Phone:
(877) 280-4833

Address:
2001 Timberloch Pl #500

City:
Spring

State:
TX 77380

Country:
United States

Website:

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