CPA Loans in Texas
CPA Loans are community programs that offer certified public accounts access to low or zero down payment options, no PMI, and competitive rates. LendFriend Mortgage helps CPAs buying or refinancing homes across Texas—including Austin, Houston, and Dallas–Fort Worth—access CPA Loans with ease.
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Why Accounts Choose LendFriend For CPA Loans
CPA Loans exist because traditional mortgages don’t always work well for accountants. Bonus-driven compensation, partnership income, K-1s, and self-employment can cause standard underwriting to be unnecessarily restrictive—even for highly qualified CPAs. CPA Loans remove many of those barriers and create a clearer path to homeownership.
LendFriend helps CPAs across Austin, Houston, and Dallas–Fort Worth access CPA Loans the way they were intended.
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Low or zero down payment options. CPA Loans allow accountants to buy homes without draining cash reserves, preserving liquidity for taxes, investments, or business needs.
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No private mortgage insurance. Many CPA Loan programs eliminate PMI entirely, keeping monthly payments lower than comparable conventional loans.
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Flexible income evaluation. CPA Loans are designed to better accommodate bonus income, partnership distributions, and non-W-2 earnings common in accounting careers.
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Built for real accounting careers. Firm structures, partnership tracks, and long-term earning potential are commonly considered—not just past tax returns.
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Access to multiple CPA Loan programs. LendFriend compares CPA Loan options across lenders to find the best combination of rate, structure, and flexibility for each CPA.
Advantages of CPA Loans
CPA Loans are designed to remove the financial friction accountants often face when buying a home. These programs account for how accounting careers actually work—bonus-driven compensation, partnership income, and self-employment—while offering terms that make homeownership easier and more efficient.
Low Down Payment Requirements
Many CPA Loans allow little to no down payment, helping CPAs buy sooner without draining cash reserves or disrupting tax planning and business liquidity.
No Private Mortgage Insurance
CPA Loans often eliminate PMI entirely, keeping monthly payments lower compared to conventional loans with similar down payment structures.
Conforming and Jumbo Loan Options
CPA Loans are available in both conforming and jumbo structures, allowing CPAs to finance higher-priced homes in Texas markets like Austin, Dallas–Fort Worth, and Houston while still benefiting from CPA-focused loan features..
Flexible Income Guidelines
CPA Loans use more flexible guidelines when evaluating income from bonuses, partnerships, and self-employment, which can significantly improve qualifying power compared to traditional mortgage calculations.
CPA Loan Qualification Made Simple
CPA Loans are designed for accountants whose income doesn’t always fit into traditional mortgage formulas. Bonuses, firm distributions, K-1 income, and self-employment can create unnecessary friction with standard lenders. CPA Loans take a more practical view—one that reflects how accounting careers are structured in the real world.
Whether you’re part of a large firm, a regional practice, or running your own shop in Austin, Houston, or Dallas–Fort Worth, CPA Loans offer flexibility without turning the process into a headache.
Upfront clarity, no guesswork
CPA Loans review income differently than conventional mortgages. Bonus compensation, partnership income, and business earnings may be factored in more thoughtfully instead of relying only on historical W-2s. We walk through the requirements early so you know exactly where you stand before committing to anything.
Options that match your financial strategy
CPA Loans can include low or no down payment structures, no PMI options, and jumbo loan availability for higher-priced Texas homes. Income is evaluated with more context, helping many CPAs qualify more comfortably while keeping cash available for taxes, investments, or business growth.
Begin Your CPA Loan Application
CPA Loans are built to give accountants more control, better structure, and fewer unnecessary hurdles.
Whether you’re buying your first home or upgrading in Austin, Houston, or elsewhere in Texas, LendFriend helps CPAs choose a CPA Loan that aligns with how they earn today—and where their career is headed.
How it works:
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Quick online application. Get started in minutes and see which CPA Loan options fit your profile.
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One-on-one guidance. Review loan structures, down payment scenarios, and income treatment with someone who understands CPA finances.
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Confident next steps. Move forward with a CPA Loan that supports both short-term affordability and long-term goals.
Stronger Negotiating Position when Buying a Home
The equity in your current home is unlocked and used as a downpayment on your new home; meaning no sales contingency required! Sellers HATE sales contingencies. Without a sales contingency, your offer is stronger, increasing your chances of buying your next home with ease.
Get the Highest and Best Sale Price
Without feeling pressured to sell quickly, you can wait for the best offer on your current home. List your home at the best time, market it effectively, and attract more competitive offers. With no rush, you can negotiate better terms and get the highest selling price.
Reduced Stress
Don't worry about finding temporary housing or organizing multiple moves. Avoid the chaos of having to coordinate the sale of your current home and the purchase of a new one. Transition seamlessly from one home to another and reduce stress or anxiety, making the moving process more manageable and organized.
Time for Improvements
Make necessary renovations or updates to your new property before you move in. Painting, remodeling, or other improvements would be more challenging if you were already living there. Moving into a freshly updated home (instead of living in it during renovations) is just so much nicer!
CPA Loan FAQs
How do CPA Loans work in Texas?
CPA Loans in Texas use qualification guidelines designed for certified public accountants whose income may include bonuses, firm distributions, or self-employment earnings. Depending on the program, income can be evaluated more flexibly than with conventional loans, helping CPAs qualify based on how they actually earn—not just past W-2s.
Who qualifies for CPA Loans in Texas?
CPA Loans are typically available to licensed Certified Public Accountants, including those working at public accounting firms, in private industry, or running their own practices. Eligibility depends on factors such as license status, income structure, credit profile, and the specific CPA Loan program.
Which lenders offer CPA Loans in Texas?
Not all lenders offer CPA Loans, and program availability varies. Working with LendFriend provides access to multiple CPA Loan options that offer competitive rates and no PMI, allowing accountants to compare structures and choose the program that best fits their income and long-term financial goals.
Are CPA Loans only for first-time homebuyers?
No. CPA Loans can be used by both first-time and repeat buyers, and in some cases for refinancing, depending on the program guidelines. Many CPAs use these loans later in their careers when income is strong but structured outside traditional W-2 models.
Are interest rates on CPA Loans higher than conventional loans?
In many cases, interest rates on CPA Loans and other professional mortgage loans are comparable to conventional loan pricing. When factoring in the lack of private mortgage insurance, the effective monthly cost of a CPA Loan can be equal to—or lower than—a traditional conventional loan, depending on the scenario.
See Why People Love Working With LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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I have nothing but great things to say about Eric Bernstein and his team at LendFriend! Truly white-glove service from beginning to end, making my home buying journey so much easier than ever before. Eric took the time to ensure I understood my options upfront and acted VERY quickly when I was asking for updates on the fly! I am so pleased with my experience overall and new loan, especially in this era of home buying. I feel as though I got a solid rate and understand how to take advantage of lower rates in the future, with their help of course! It was an absolute pleasure working with Eric and his all-star team - from the first phone call to closing day, I trusted the team to ensure everything went off without a hitch (which it did!). It was as seamless of a process as it could be and I always felt like I was a priority. Their communication is outstanding and dedication to delighting their clients is untouched. I highly recommend working with this group - you will be in wonderful hands too!!
Suzanne Peterson
Closed November 2025 -
Eric and his team was so amazing! They were so responsive and helped us come up with great strategies along the way! Eric would respond literally at any time of the day and they were able to help us manage a really quick close! We are so grateful for their support!!
Jo Reyes
Closed November 2025 -
Eric and his team were amazing to work with. They helped us through every step of the home buying process and were always available to answer our questions when needed. This was our second home, and having Eric and LendFriend on our team made everything much much easier than the first time around. Can't recommend them enough.
Adam Mangen
Closed September 2025 -
Professional, responsive, and easy to work with from start to finish, they made the process smooth and stress-free!
Lisa Salzberg
Closed July 2025 -
Eric and team were so helpful through the process. As first time home buyers, we relied on his expertise and education to ensure we felt confident in making informed decisions in the lending process. We shopped around for lenders and Eric stood out for his advocacy and time spent ensuring we were setup for success. He was flexible with our slowed down - and then sped up time frame, showing patience and adaptability. The process was smooth and we couldn’t be happier with the result.
Ellen Lovell
Closed August 2025 -
Lend Friend made the entire process simple and stress-free. Their team was professional, responsive, and took the time to explain everything clearly. I really appreciated the fast approval and fair terms. It felt like they truly cared about helping me, not just pushing paperwork. Highly recommend them to anyone looking for a trustworthy lending service!
Terence Priest
Closed July 2025