Traditional lenders see a W-2 every two weeks and call it stability; they see a 1099 with $8,000 one month and $4,200 the next and call it unpredictable. What they don’t see is that those swings match freight cycles like clockwork—January reefer rates dip, October retail surges—and your net income averages out higher than most salaried workers. At NMHL we underwrite to the reality of trucking life. We know that a driver who grossed $72,000 last year but wrote off $22,000 in fuel, food, and depreciation actually netted a solid middle-class living. Our Bank-Statement Plus program uses the last 12 or 24 months of personal or business statements, divides by 12, and applies a 50–65% expense factor (depending on carrier type) to arrive at qualifying income—no tax returns, no CPA letter, no drama.

If you’re lease-purchase or owner-operator with a net loss on Schedule C, we simply set that return aside and qualify you on deposits. We’ve helped drivers who showed $19,000 taxable income buy $275,000 homes because the real cash flow told the truth.

• FHA Truckers Program – 3.5% down, credit to 580, gift funds allowed from carrier safety bonuses or union programs. We accept per-diem and mileage letters written by your dispatcher on company letterhead.
• Non-QM Bank-Statement Loan – 10% down for purchases, 15% for refinances, 12- or 24-month options, no PMI, loan amounts to $1.5 million. Perfect if you switched from company driver to owner-operator mid-year.
• VA CDL Advantage – Zero down for veterans, count tax-free BAH if you’re National Guard and haul weekend reserve duty, manual underwriting to 580 with residual income test that favors truckers (we know you can live cheap).
• ITIN Rolling Strong – Valid passport + CDL, 15% down, 660 score, no Social Security number required. We’ve closed with carriers that run Canadian lanes and drivers on H-2B visas.

Every program allows you to close in an LLC for liability protection—important when your tractor is also on the road.

Most drivers assume they need 20% down because that’s what the local bank advertises. In reality, the average NMHL truck-driver borrower last year brought $9,400 to closing on a $285,000 purchase—about 3.3%. How? We layer programs: FHA first mortgage for 96.5% of the price, then a state housing grant (up to $15,000 in Florida, $10,000 in Texas, $7,500 in Ohio) that doesn’t have to be repaid if you stay in the home five years. If your carrier offers a safety or retention bonus, we can gift-wrap that into a “employer-assisted housing” letter so underwriting smiles instead of stalls.

Owner-operators with equity in their truck can also do a simultaneous refinance: we refinance the tractor note, pull $15–$20k equity, and roll that into the home purchase—one credit pull, one closing, lower overall monthly outgo.

Still short? We accept gifts from non-family members—your co-driver, union steward, even the trucking school that trained you—so long as we document the relationship and the donor signs a letter. No donor funds? Ask us about the 2-1 temporary buydown that cuts the payment 20% the first year, letting you build cash reserves while you drive.

Truckers live by the rule “If the wheels aren’t turning, you’re not earning,” so bills sometimes sit until the next settlement. A single $87 medical collection can drop a 620 score to 580 and cost you 0.75% in rate. Our credit team runs a rapid-rescore engine that shows what happens if you pay down specific cards or remove erroneous collections. Most drivers see 20–50 points in 5–7 business days—fast enough to lock a better rate before the next load boards drop.

If your credit is under 600, we’ll open a secured installment product with your credit-union checking account; $500 paid back over 6 months adds a fresh positive tradeline and bumps you across the 580 FHA threshold. We also use utility and phone-bill reporting—your Qualcomm bill, trailer-rental payments, and even ELD subscription can count toward alternative credit, keeping approvals alive when traditional scores lag.

And because we know detention pay is real life, we schedule automatic payments on your settlement days so you never pay a bill late again—set it once, roll forever.

You can’t exactly walk a first-time-home-buyer class when your 14-hour clock started at 0400. NMHL offers a mobile-first portal: upload documents by snapping photos at the fuel island, sign disclosures with your index finger on your phone, and get updates via text every time you cross a state line. Our preferred real-estate agents schedule showings when you’re on reset, then FaceTime you while they walk the house. They’ll place a video call to the inspection, live-stream the sewer-scope, and email a summary before you hit the road again.

We also give you a remote-closing attorney list in all 29 states we lend: you can sign closing docs at a UPS Store near the terminal, use a mobile notary that meets you at the Petro, or grant power-of-attorney to your spouse so she can sign while you haul produce to Nogales. One driver closed on a farmhouse in Iowa while unloading onions in Laredo—never missed a mile.

And if rates drop while you’re on a long-haul? Our one-time float-down lets you relock with no lender fees within 60 days of closing—no matter what state your rig is idling in.

Imagine pulling into an address that’s yours—where the mailbox has your last name on it, the garage fits your pickup, and the only dispatcher is you deciding when to take time off. Thousands of CDL holders thought homeownership was a mirage until they found a lender who speaks fluent trucking. National Mortgage Home Loans has closed loans for company drivers, team drivers, hazmat haulers, flat-bedders, and even a bull-hauler who swore no one would ever count his per-diem. We’ve done it in 29 states, with credit scores from 540 to 780, down payments as low as $6,000, and closing times that beat the average trucking broker’s pay delay.

The road home starts with a five-minute phone call while you wait on your next load number. No paperwork, no commitment, just a quick conversation about what you’re earning, what you’re dreaming, and how we can bridge the gap. You keep the left door closed and the right pedal down—we’ll handle the rest from the passenger seat.