1 YEAR TEXAS SELF EMPLOYED BANK STATEMENT MORTGAGE LENDERS.
SELF EMPLOYED TEXAS CASH-OUT REFINANCE UP TO 500K!
Serving All Texas Including And Not Limited To: Fort Worth Texas, Austin Texas, Dallas Texas, San Antonio Texas, Houston Texas
INCOME DOCUMENTATION FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS:
- Alt Doc – 12 or 24 months business or personal bank stmts (Self Empl only), Full Doc income with lease agreements, ok (rental income qualified by lease agreements) Full Doc – 2 year (W-2 & paystubs, 1040s, K1’s)
- Full Doc – 1 year (W-2 and Current YTD paystub, K1’s)
- Full Doc – 1 year (One year Tax Return and YTD P&L Self Empl)
- Asset Xpress – 100% of amount needed to amortize loan plus monthly debts for 60 months, max 80% LTV to $1.0M; Max 75% LTV to $1.5M
- Asset Assist – Assets divided by 120 is added to income. $1.5M max loan amount to 75% LTV, Max 80% LTV to $1M
- ALT Doc—3-month Texas Bank Statement (24-month CPA compiled and signed P&L statement supported by 3-months bank stmts)
- ALT Doc—Profit and Loss (P&L) only. 24-month P&L compiled and signed by CPA. CPA must also attest to filing tax returns for 1 year self employed mortgage applicants for 24-months.
- ALT Doc—VOE only
LENDING CRITERIA- TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: Loan programs for Owner Occ and 2nd homes only
MINIMUM CREDIT SCORE FOR – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
- 600+ QUALIFICATIONS- 600+ FICO Mtg 0x60 (12 Months) No BK 18 Months/FC 2 Years SS/DIL Settled Purchase 75% LTV RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 75% LTV
- 640+QUALIFICATIONS- 640+ FICO Mtg 1×30 (12 months) No BK/FC 2 Years No SS/DIL 1 Year Purchase 75% LTV RT Refi 85% LTV Cash-out Refi 85% LTV (680 FICO, otherwise 80%) 2nd Home 75% LTV
- 680+QUALIFICATIONS- 680+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 80% LTV
- 720+QUALIFICATIONS- 720+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 90% LTV Cash-out Refi 85% LTV 2nd Home 80% LTV
1 YEAR SELF EMPLOYED LOAN AMOUNTS – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: ● Minimum loan amount $100,000 RESERVES: ● 6 months required above 75% LTV ● 6 months required on 12 Mo Cash Flow Product ● See loans > $1M for additional info
GENERAL TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS LOAN TERMS:
- 30 Year Fixed and 5 year ARM, 7 year ARM options
- No Pre-payment penalty
- Floor = Start rate
- Caps are 2/2/5 (2% initial change cap / 2% annual cap / 5% lifetime cap)
- Index – 1 year libor
- All loans require impound for tax and insurance PROPERTY TYPES:
- SFRs, condos, townhouses, 2-4 units (no rural properties < $200,000)
- Property must show “pride of ownership” DEBT TO INCOME RATIO:
- 50% max DTI (up to 55% case by case)
- See guidelines for residual income calculations * Requires 0x30 mortgage payment history last 12 months. Full Doc Only
- Minimum interest rate: 4.250% ARM 4.625% fixed
DOWN PAYMENT REQUIREMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS:
- All down payment funds must be verified prior to drawing loan documents
- Secondary Financing 80% Max LTV/90% Max CLTV
1 YEAR SELF EMPLOYED DEBTS INCLUDING TAX LIENS, JUDGMENT REQUIREMENTS:
- All tax liens and judgments must be paid at closing
COLLECTION ACCOUNTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS:
- Collections and charge offs need to be paid off except: – Medical Collections – Collection accounts older than 2 years FIRST-TIME HOME BUYER:
- A , A- and B credit grades. B- grade case by case
NON-PERMANENT RESIDENT ALIEN TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: :
- 80% max LTV Purchase and Rate and Term Refi 75% max LTV on Cash Out
- A, A- and B credit grades only
- No FICO is allowed (when no FICO, price at Aand add 0.500% to rate)
- Visa classifications allowed (E-1 – E-3/G-1 – G-5/H-1/L-1/NATO/O-1/R1/TN (NAFTA)
TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS FEES
- Underwriting Fee $1,495
- Flood Cert Fee $12
- Attorney Doc Review $150
- Subject to hange without notice.
AGE OF DOCUMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
- Credit Report/Credit Documentation: 90 days old at the time of closing
- Income and Asset Documentation: Dated within 90 days of closing
- Title Report/Title Commitment: Dated no later than 60 days prior to closing
APPRAISAL REQUIREMENTS BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
Full Interior / Exterior appraisal required. Fannie Mae/Freddie Mac Forms 1004/70, 1025/72, 1073/465 or 2090 must be used. All Fannie Guidelines apply to
appraisal process and value determination, in addition an Appraisal Management Company must be utilized for appraiser selection.
The Appraisal should be dated no more than 120 days prior to the Note Date. After a 120 day period, a new appraisal is required. Re-certification of value is
not acceptable. Minimum Square Footage 800 Sq. Feet
Not eligible: Properties for which the appraisal indicates condition ratings of C5 or C6 or a quality rating of Q6, each as determined under the Uniform Appraisal
Dataset (UAD) guidelines. TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders will consider if issue has been corrected prior to loan funding with proper documentation.
A 5% reduction in LTV/CLTV will be required for all properties identified to be in a declining market as designated by the appraiser.
APPRAISAL REVIEW PRODUCTS: An enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders Approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders’s AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. When a second appraisal is provided, the transactions “Appraised Value” will be the lower of the two appraisals. A second appraisal is required on loan amounts > $1,500,000
ASSETS – CASH TO CLOSE – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
• Full Asset Documentation is required for both funds to close and reserves. For most asset types, this would include all pages of the most recent two months statements or the most recent quarterly statement. All Assets from the 1 year self employed mortgage applicants (s) must be disclosed and verified by the lender.
- No business accounts may be used to meet down payment and/or reserve requirements unless the 1 year self employed mortgage applicants (s) are 100% owners of the business and requires:
o A letter from the businesses accountant OR
o An underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business.
- Stocks/Bonds/Mutual Funds – 80% may be used for reserves.
- Vested Retirement Accounts – 70% may be considered for reserves (certain eligible plans can use 70% if 1 year self employed mortgage applicants > 59 1⁄2 – i.e. 401k)
- Assets being used for dividend and interest income may not be used to meet reserve requirements
- If needed to close, verification that funds have been liquidated (if applicable) is required.
- Gift of Equity is not allowed.
- Builder profits are not allowed.
- No employer assistance assets are allowed.
- Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80
TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS ELIGIBLE MORTGAGE APPLICANTS INCLUDE:
- Eligible:
- US Citizen
- Permanent Resident Aliens
- Non-Permanent Resident Aliens
- First Time Home Buyers
- Non-Occupant Co-TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants
- Limited partnerships, general partnerships, corporations
- o Personal guarantor required
- In-Eligible:
- Foreign Nationals
- Irrevocable or Blind Trusts
- Inter-Vivos Revocable Trust
OVERALL CREDIT REQUIREMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
- Each 1 year self employed mortgage applicants ’s ‘Credit Score’ is the middle of three or the lesser of two.
- Representative Credit Score – Texas Bank Statement loans, the lowest Credit Score among 1 year self employed mortgage applicants s.
- Each 1 year self employed mortgage applicants ’s credit profile must include a minimum of 2 trade lines (open or closed) within the last 24 months that show a 12 month history, or a combined credit profile between 1 year self employed mortgage applicants and co-1 year self employed mortgage applicants with a minimum of 3 tradelines.
o Tradeline activity is not required. Eligible tradelines cannot have any derogatory history in previous 24 months.
- Current housing not reporting on credit can be considered an open trade if supported by bank records (cancelled checks/debits).
• 1 year self employed mortgage applicants (s) not using income to qualify are not required to meet the minimum tradeline requirements listed above. - TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants currently enrolled in credit counseling or debt management plans are not permitted. • All derogatory accounts require a full explanation.
- All Judgments or liens affecting title must be paid.
- Non-title charge- offs and collections within 3 years and exceeding $3,000 (either individually or in aggregate) must be paid.
- Medical collections are not required to be paid.
- All past due accounts must be brought current prior to closing.
- No authorized user accounts will be used to satisfy minimum tradeline.
- Medical derogatory accounts, collections, and charge-offs permitted with letter of explanation.
- Disputed accounts require a LOE per Fannie Mae. An updated credit report not required.
- IRS tax payment plans are permitted if current and do not carry a lien on any property.Minimum FICO 700
- Housing 0x30x12
- BK (Chap 13 Discharge) 60 Mo
- BK (Other) 60 Mo
- Foreclosure 60 Mo
- Short Sale / DIL 60Mo
TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE FOR FIRST TIME HOME BUYER REQUIREMENTS
- First Time Homebuyers (“FTHB”) are individuals that have not owned a home or had a residential mortgage in the last 3 years.
- However, only 1 year self employed mortgage applicants with no prior mortgage history or homeownership ever are restricted to the following:
Recent Event not permitted
I/Os not permitted
12 month 0X30 housing history required
Primary Residence Only
Minimum of 6 months PITI reserves required.
DOCUMENT REQUIREMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
(1) 12 or 24 months Personal or 24 months Business Bank statements
TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants who own more than 3 businesses must use personal bank statements option
Bank statements must be most recent available at time of application and must be consecutive
(2) Profit & Loss Statement
If submitting personal bank statements, a P&L prepared by the 1 year self employed mortgage applicants covering no less than 12 or 24 months is required
The P&L must be signed by the 1 year self employed mortgage applicants
If submitting business bank statements, a P&L prepared by the 1 year self employed mortgage applicants covering no less than 24 months is required
1 year self employed mortgage applicants is required to provide separate P&Ls for each business being used in qualifying.
The P&L should generally cover the same calendar months as the bank statements provided.
(3) Validation of a minimum of 2 years existence of the business from one of the following: Business License, Letter from Tax Preparer, Secretary of State Filing or equivalent
Self Employed/Wage Earner Combination – Joint 1 year self employed mortgage applicants with 1 wage earner and 1 self-employed business owner can verify income separately, with the self-
employed 1 year self employed mortgage applicants utilizing bank statements and the wage earner providing pay stubs/W-2s. The wage earner 4506T should include W-2 transcripts only.
PROFIT & LOSS ANALYSIS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
- Net Income from the P&L will be used as Qualifying Income for both personal and business bank statements.
- The P&L used for qualifying must be signed by the 1 year self employed mortgage applicants .
- Declining Income requires an LOE
- Any amounts on the P&L representing salary/wages paid to the 1 year self employed mortgage applicants /business owner can be added back and considered in the net income analysis.
- Expense line items that can be added back to the business net income include depreciation, depletion, amortization, casualty losses, and other losses or
expenses that are not consistent and recurring.
- TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants utilizing business bank statements that own > 50% but < 100% of a business will be qualified at the P&L/AES net income multiplied by their ownership percentage.
- The P&L expense ratio, Gross Income minus Net Income, divided by Gross Income, should be reasonable for the profession.
Example: A home-based sole practitioner therapist/consultant can be expected to have a low expense ratio, while a retail business that has a full staff of employees and relies heavily on inventory to generate income will have a high expense ratio.
- If the file does not contain a CPA prepared P&L, steps must be taken by the underwriter to evaluate the reasonableness of the expenses listed by the 1 year self employed mortgage applicants .
- This requires the 1 year self employed mortgage applicants to provide a business narrative which includes detail related to the size/scope and operating profile of the business, including the
following: o Description of Business/Business Profile o Location & Associated Rent o Number of Employees / Contractors o Estimated Cost of Goods Sold (Does
business involve sale of goods or just services?) o Materials/Trucks/Equipment o Commercial or Retail client base? o Business Analysis
- Expenses listed on a 1 year self employed mortgage applicants prepared P&L should generally relate to the information provided below.
Joint Accounts – A joint personal account with a non-borrowing spouse or domestic partner can be used for qualifying as follows: o If not contributing
income/deposits, it must be validated by a 1 year self employed mortgage applicants affidavit o If contributing income/deposits, source must be clearly identified (direct deposit, SSI, trust
income) and amounts must be subtracted from the analysis o Relationship letter must be present in file
Retirement, Government Annuity, and Pension Income – TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders may recognize an ancillary income stream from employment-related assets as eligible for
income qualification. 1 year self employed mortgage applicants must evidence a 12 month history of documented draws or interest/dividend income. If, based on that history, the income will
continue for at least three years, the income may be used for loan qualification. One of the following types of income documentation is required: o Copy of
award letter or letters from the organizations providing the income o Most recent personal income tax return with all schedules o Most recent W2 or 1099 o
Most recent 2 months bank statements showing deposit of funds
If the income being used for qualifying represents at least 50% of the 1 year self employed mortgage applicants ’s total income, a five year continuance is required. The 1 year self employed mortgage applicants must have
unrestricted access, and available to the 1 year self employed mortgage applicants without penalty. Documentation of asset ownership must be in compliance with the allowable age of credit
documents.
Restricted Stock Income – TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders will only consider restricted stock that was awarded in prior 2 years and became unrestricted (vested) in the current year. The
Vesting Schedule must indicate the income will continue for a minimum of 3 years at a similar level to the prior 2 years. Continuance is based on the vesting
schedule using a stock price based on the 52 week low for the most recent 12 months reporting at the time of closing. A 2 year average of prior income
received from RSU’s or stock option will be used. The following documentation is required: o Copy of the vesting schedule o Most recent W2 and pay stub o
Private Stock not eligible.
Component Sources of Income – A 1 year self employed mortgage applicants who has a self-employed business and also receives income from other sources is eligible for the bank
statement program. Income sources include but are not limited to rental properties, trust & investment, alimony, etc. These income sources should be
separately documented on the 1003 and should be separately supported by bank statement deposits.
o Rental Income –
months via cancelled checks, deposits clips, or bank records ed by a vacancy/expense factor of
25%
o Trust Income – idenced by unt, distribution frequency, and duration of payments
o Alimony Income –
deposit slips, or bank records
o Note Receivable Income opy of the note confirming amount and length of payment
checks, deposit slips, or bank records
MORTGAGE RENTAL VERIFICATION REQUIRED BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
- 12 months housing history required.
- Rental history evidenced by 12 months proof of payment via cancelled checks or bank debits.
- Rent free letters from spouses are not permitted. Housing history is required.
PAYMENT SHOCK FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
Payment shock is limited to 250% on primary residence transactions.
Payment Shock Calculation –
(Proposed PITI – Current PITI) / Current PITI X 100
For 1 year self employed mortgage applicants who do not have a current housing payment, or own a home free and clear, payment is shock is not considered.
PRIMARY HOME – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
• A primary residence is a property that the 1 year self employed mortgage applicants (s) intend to occupy (within 60 days) as his or her principal residence.
- Characteristics that may indicate that a property is used as a 1 year self employed mortgage applicants ‘s primary residence include:
o It is occupied by the 1 year self employed mortgage applicants for the major portion of the year.
o It is in a location relatively convenient to the 1 year self employed mortgage applicants ‘s principal place of employment.
o It is the address of record for such activities as federal income tax reporting, voter registration, occupational licensing, and similar functions.
o 1 year self employed mortgage applicants may not own an additional single family residence of equal or greater value than subject property.
SECOND HOME – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
A property is considered a second home when it meets all of the following requirements:
- Must be located a reasonable distance away from the 1 year self employed mortgage applicants (s) principal residence.
- Must be occupied by the 1 year self employed mortgage applicants (s) for some portion of the year.
- Is restricted to a one-unit dwelling.
- Must be suitable for year-round occupancy.
- Cash-Out transactions are not permitted
- The 1 year self employed mortgage applicants (s) must have exclusive control over the property.
- Gifts not permitted
INVESTOR – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
- Occupancy designation when the 1 year self employed mortgage applicants does not occupy the subject property.
- A Non Owner Occupied property must meet the following requirements:
Cash-Out and Debt Consolidation transactions are not permitted
1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property.
The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties.
- Gifts not permitted
Alt Doc – 12 or 24 months personal or business bank stmts or 1099’s (self employed only) ● Alt Doc – Rental income qualified by lease agreements
PROPERTY TYPES ALLOWABLE BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
Eligible: Single Family Residences1-4 Units (3-4 Units NOO Only), PUDs*, Townhouses, Condominiums (Warrantable Only)
*PUDs- New PUDs/Subdivisions must be at least 60% sold or under bonafide contract. The PUD questionnaire must be included with submission. • Maximum
LTV of 80% for new PUDs
Ineligible: • Acreage greater than 10 acres (appraisal must include total acreage) • Agricultural/Rural zoned property • Condo hotel • Co-ops • Hobby Farms •
Income producing properties with acreage • Leaseholds • Log Homes • Manufactured housing • Mixed use properties • Modular homes • Non-Warrantable
Condos • Properties subject to oil and/or gas leases • Unique properties • Working farms, ranches or orchards.
Fannie Mae eligible projects: TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders. project exposure maximum shall be $3,000,000 or 15% of the project whichever is lower • 1 year self employed mortgage applicants
project/Unit concentration limit: two (2) units • Project meets all FNMA Insurance requirements for property, liability and fidelity coverage • 1 year self employed mortgage applicants must carry
H06 coverage for replacement of such items as flooring, wall covering, cabinets, fixtures, built-ins and any improvements made to the unit • The Condo Project
Questionnaire must be completed, including all the required documentation from the questionnaire including: CCR, Articles of Incorporation, By-Laws, Master
Insurance Policy, Budget / Balance Sheet & HOA questionnaire .• All projects are subject to full review and approval.
TEXAS 1 ONE YEAR SELF EMPLOYED Condos – 70% Maximum LTV
TEXAS 1 ONE YEAR SELF EMPLOYED Condos – 50% Maximum LTV
Purchase • No property flipping, prior owners must have owned the property greater than 6 months. (Bank owned REO are eligible and not considered a flip transaction).
- Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80.
CASH OUT – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
- A Cash-Out Refinance transaction allows the 1 year self employed mortgage applicants to pay off the existing mortgage by obtaining new financing secured by the same property or allows the
property owner obtain a mortgage on a property that is currently owned free and clear. The 1 year self employed mortgage applicants can receive funds at closing as long as they do not exceed
the program requirements.
- To be eligible for a Cash-Out Refinance the 1 year self employed mortgage applicants must have owned the property for a minimum of six months prior to the application date. Properties listed
for sale within the last 12 months are ineligible for cash out.
- If the property is owned less than 12 months but greater than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original
purchase price plus documented improvements, or current appraised value. The prior HUD-1 will be required for proof of purchase price.
RATE TERM – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE REFINANCE
- A Rate/Term Refinance transaction is when the new loan amount is limited to the payoff of the present first lien mortgage, any seasoned non-first lien
mortgages, closing costs and prepays, or a court ordered buyout settlement.
- A seasoned non-first lien mortgage is a purchase money mortgage or a closed end or HELOC mortgage that has been in place for more than 12 months
(and/or not having any draws greater than $2,000 in the past 12 months for HELOC’s. Withdrawal activity must be documented with a transaction history from
the HELOC).
- Limited cash to the 1 year self employed mortgage applicants must not be greater than 1% of the principal amount of the new mortgage to be considered a Rate/Term refinance.
- If the property is owned less than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original purchase price plus
improvements or current appraised value. The prior HUD-1 will be required for proof of purchase price. Proof of improvements is required.
- There is no waiting period if the lender documents that the 1 year self employed mortgage applicants acquired the property through an inheritance or was legally awarded the property
(divorce, separation, or dissolution of a domestic partnership). If the 1 year self employed mortgage applicants acquired the property at any time as a gift, award, inheritance or other
non-purchase transaction, the LTV will be based on the current appraised value. The lender must obtain appropriate documentation to verify the
acquisition and transfer of ownership.
- Follow FNMA for Delayed Financing guidelines.
- Properties that have been listed for sale within the past 6 months from the loan application date are not eligible for a rate/term refinance transaction.
- The rate/term refinance of a construction loan is eligible with the following conditions:
- If the lot was acquired 12 or more months before applying for the subject loan, the LTV/CLTV/HCLTV is based on the current appraised value of the property.
- If the lot was acquired less than 12 months before applying for the construction financing, the LTV/CLTV/HCLTV is based on the lesser of i) the current
appraised value of the property and ii) the total acquisition costs.
TEXAS 1 ONE YEAR SELF EMPLOYED CASH OUT DEBT CONSOLIDATION REFINANCE
- A debt consolidation refinance transaction involves the repayment of an existing lien and other 1 year self employed mortgage applicants debt from the proceeds of a new mortgage. A debt
consolidation refinance may include the payoff of:
o First mortgage secured by the subject property.
o Junior liens secured by the subject property.
o Credit cards, installment loans, past due taxes, etc.
- Direct evidence of debt payment at closing is required.
- 1 year self employed mortgage applicants must own property for a minimum of 12 months
- Loan must produce a net tangible benefit to the 1 year self employed mortgage applicants resulting in an increase in residual income and a reduction of 1 year self employed mortgage applicants ’s total debt obligation
payments.
- Existing subordination not permitted.
- Cash to 1 year self employed mortgage applicants at closing must not exceed 2% of the loan amount.
RESERVE REQUIRED BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
Non-Occupant Co-1 year self employed mortgage applicants : An additional 6 months reserves is required
First Time Home Buyers: Minimum of 6 months PITI reserves required
Interest Only loans require a minimum of 12 months reserves
Occupancy Maximum Loan Amount Reserves
- 1 year self employed mortgage applicants with greater than 2 financed properties require 9 months or otherwise stated higher reserve amount above and an additional 3 months of reserves
for each additional financed property. The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties. For primary
residence transactions, this requirement can be waived for 1 year self employed mortgage applicants who have a minimum 18 months reserves on the primary residence.
Occupancy Maximum Loan Amount Reserves
Second Home $2,000,000 12 Months
Second Home
Debt
Consolidation
$2,000,000 2 Months
- 1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional
reserves are based on the PITI plus HOA fees of the other financed properties.
Occupancy Maximum Loan Amount Reserves
Non-Owner $1,500,000 12 Months
- 1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional
reserves are based on the PITI plus HOA fees of the other financed properties
Cash-out permitted to meet reserve requirements if loan-to-value is 5% below the matrix maximum LTV/CLTV and a minimum 680 representative FICO score
DELAYED FINANCING BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
Cash-out on properties purchased by the 1 year self employed mortgage applicants with cash and owned less than 6 months is allowed. The following requirements apply:
- Original transaction was an arm’s-length transaction
- Settlement statement from purchase confirms no mortgage financing used to acquire subject
- Source of funds used for purchase documented (gift funds may not be included)
- New loan amount can be no more than the actual documented amount of the 1 year self employed mortgage applicants ‘s initial investment in purchasing the property plus the
financing of closing costs, prepaid fees, and points on the new mortgage loan
- All other cash-out refinance eligibility requirements must be met
SELF-EMPLOYED REQUIRED FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
1 year self employed mortgage applicants with Separated Business and Personal Accounts
Using Personal Texas Bank Statements to Qualify
Business license (if available – depending on nature of business)
Letter from a Licensed Tax Professional certifying profession & self-employment in same line of business for a min of 2 years & ownership
percentage
Most recent 12 months personal bank statements – Utilize 12 months average deposits to qualify (minus disqualified/unrelated deposits)
Most recent 3 months business bank statements – Demonstrate transfers from business to personal bank account statements provided
1 year self employed mortgage applicants must own a minimum of 25% of business to be considered Self-Employed, for use of personal of personal bank statements.
Qualifying income may not exceed the income indicated on the initial 1003.
Using Business Texas Bank Statements to Qualify
Business license (if available – depending on nature of business)
Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the 1 year self employed mortgage applicants is
100% owner of the business – For use of Business Texas Bank Statements/P&L for 1 year self employed mortgage applicants who own less than 100% but more than or equal to 80%, a
letter is required from each other owner of the business stating the 1 year self employed mortgage applicants has full access to the business funds. Less than 80% ownership will
require exception approval for use of Business Texas Bank Statements/P&L
Most recent 12 months business bank statements.
12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)
o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross
Revenue)
o 1 year self employed mortgage applicants to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business
o P&L is not Audited by Licensed Tax Professional
o P&L must be signed by the preparer and 1 year self employed mortgage applicants
Qualifying income may not exceed the income indicated on the initial 1003.
1 year self employed mortgage applicants with Personal Accounts (Co-mingled for business & personal use)
Business license (if available – depending on nature of business)
Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the 1 year self employed mortgage applicants is
100% owner of the business – For use of Business Texas Bank Statements/P&L for 1 year self employed mortgage applicants who own less than 100% but more than or equal to 80%, a
letter is required from each other owner of the business stating the 1 year self employed mortgage applicants has full access to the business funds. Less than 80% ownership will
require exception approval for use of Business Texas Bank Statements/P&L
Most recent 12 months personal bank statements.
12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)
o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross
Revenue)
o 1 year self employed mortgage applicants to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business
o P&L is not Audited by Licensed Tax Professional
o P&L must be signed by the preparer and 1 year self employed mortgage applicants
Qualifying income may not exceed the income indicated on the initial 1003.
Other sources of income
Other sources of income must be verified in accordance with Appendix Q of Regulation Z regarding income
TEXAS 1 YEAR SELF EMPLOYED MORTGAGE LENDERS COVERAGE AREAS
| Texas | San Antonio | 78244 | Bexar | View Map |
| Texas | San Antonio | 78245 | Bexar | View Map |
| Texas | San Antonio | 78246 | Bexar | View Map |
| Texas | San Antonio | 78247 | Bexar | View Map |
| Texas | San Antonio | 78248 | Bexar | View Map |
| Texas | San Antonio | 78249 | Bexar | View Map |
| Texas | San Antonio | 78250 | Bexar | View Map |
| Texas | San Antonio | 78251 | Bexar | View Map |
| Texas | San Antonio | 78252 | Bexar | View Map |
| Texas | San Antonio | 78253 | Bexar | View Map |
| Texas | San Antonio | 78254 | Bexar | View Map |
| Texas | San Antonio | 78255 | Bexar | View Map |
| Texas | San Antonio | 78256 | Bexar | View Map |
| Texas | San Antonio | 78257 | Bexar | View Map |
| Texas | San Antonio | 78258 | Bexar | View Map |
| Texas | San Antonio | 78259 | Bexar | View Map |
| Texas | San Antonio | 78260 | Bexar | View Map |
| Texas | San Antonio | 78261 | Bexar | View Map |
| Texas | San Antonio | 78262 | Bexar | View Map |
| Texas | San Antonio | 78263 | Bexar | View Map |
| Texas | San Antonio | 78264 | Bexar | View Map |
| Texas | San Antonio | 78265 | Bexar | View Map |
| Texas | San Antonio | 78266 | Comal | View Map |
| Texas | San Antonio | 78268 | Bexar | View Map |
| Texas | San Antonio | 78269 | Bexar | View Map |
| Texas | San Antonio | 78270 | Bexar | View Map |
| Texas | San Antonio | 78275 | Bexar | View Map |
| Texas | San Antonio | 78278 | Bexar | View Map |
| Texas | San Antonio | 78279 | Bexar | View Map |
| Texas | San Antonio | 78280 | Bexar | View Map |
| Texas | San Antonio | 78283 | Bexar | View Map |
| Texas | San Antonio | 78284 | Bexar | View Map |
| Texas | San Antonio | 78285 | Bexar | View Map |
| Texas | San Antonio | 78286 | Bexar | View Map |
| Texas | San Antonio | 78287 | Bexar | View Map |
| Texas | San Antonio | 78288 | Bexar | View Map |
| Texas | San Antonio | 78289 | Bexar | View Map |
| Texas | San Antonio | 78291 | Bexar | View Map |
| Texas | San Antonio | 78292 | Bexar | View Map |
| Texas | San Antonio | 78293 | Bexar | View Map |
| Texas | San Antonio | 78294 | Bexar | View Map |
| Texas | San Antonio | 78295 | Bexar | View Map |
| Texas | San Antonio | 78296 | Bexar | View Map |
| Texas | San Antonio | 78297 | Bexar | View Map |
| Texas | San Antonio | 78298 | Bexar | View Map |
| Texas | San Antonio | 78299 | Bexar | View Map |
| Texas | Agua Dulce | 78330 | Nueces | View Map |
| Texas | Alice | 78332 | Jim Wells | View Map |
| Texas | Alice | 78333 | Jim Wells | View Map |
| Texas | Aransas Pass | 78335 | San Patricio | View Map |
| Texas | Aransas Pass | 78336 | San Patricio | View Map |
| Texas | Armstrong | 78338 | Kenedy | View Map |
| Texas | Banquete | 78339 | Nueces | View Map |
| Texas | Bayside | 78340 | Refugio | View Map |
| Texas | Benavides | 78341 | Duval | View Map |
| Texas | Ben Bolt | 78342 | Jim Wells | View Map |
| Texas | Bishop | 78343 | Nueces | View Map |
| Texas | Bruni | 78344 | Webb | View Map |
| Texas | Chapman Ranch | 78347 | Nueces | View Map |
| Texas | Concepcion | 78349 | Duval | View Map |
| Texas | Dinero | 78350 | Live Oak | View Map |
| Texas | Driscoll | 78351 | Nueces | View Map |
| Texas | Edroy | 78352 | San Patricio | View Map |
| Texas | Encino | 78353 | Brooks | View Map |
| Texas | Falfurrias | 78355 | Brooks | View Map |
| Texas | Freer | 78357 | Duval | View Map |
| Texas | Fulton | 78358 | Aransas | View Map |
| Texas | Gregory | 78359 | San Patricio | View Map |
| Texas | Guerra | 78360 | Jim Hogg | View Map |
| Texas | Hebbronville | 78361 | Jim Hogg | View Map |
| Texas | Ingleside | 78362 | San Patricio | View Map |
| Texas | Kingsville | 78363 | Kleberg | View Map |
| Texas | Kingsville | 78364 | Kleberg | View Map |
| Texas | Mathis | 78368 | San Patricio | View Map |
| Texas | Mirando City | 78369 | Webb | View Map |
| Texas | Odem | 78370 | San Patricio | View Map |
| Texas | Oilton | 78371 | Webb | View Map |
| Texas | Orange Grove | 78372 | Jim Wells | View Map |
| Texas | Port Aransas | 78373 | Nueces | View Map |
| Texas | Portland | 78374 | San Patricio | View Map |
| Texas | Premont | 78375 | Jim Wells | View Map |
| Texas | Realitos | 78376 | Duval | View Map |
| Texas | Refugio | 78377 | Refugio | View Map |
| Texas | Riviera | 78379 | Kleberg | View Map |
| Texas | Robstown | 78380 | Nueces | View Map |
| Texas | Rockport | 78381 | Aransas | View Map |
| Texas | Rockport | 78382 | Aransas | View Map |
| Texas | Sandia | 78383 | Jim Wells | View Map |
| Texas | San Diego | 78384 | Duval | View Map |
| Texas | Sarita | 78385 | Kenedy | View Map |
| Texas | Sinton | 78387 | San Patricio | View Map |
| Texas | Skidmore | 78389 | Bee | View Map |
| Texas | Taft | 78390 | San Patricio | View Map |
| Texas | Tynan | 78391 | Bee | View Map |
| Texas | Woodsboro | 78393 | Refugio | View Map |
| Texas | Corpus Christi | 78401 | Nueces | View Map |
| Texas | Corpus Christi | 78402 | Nueces | View Map |
| Texas | Corpus Christi | 78403 | Nueces | View Map |
| Texas | Corpus Christi | 78404 | Nueces | View Map |
| Texas | Corpus Christi | 78405 | Nueces | View Map |
| Texas | Corpus Christi | 78406 | Nueces | View Map |
| Texas | Corpus Christi | 78407 | Nueces | View Map |
| Texas | Corpus Christi | 78408 | Nueces | View Map |
| Texas | Corpus Christi | 78409 | Nueces | View Map |
| Texas | Corpus Christi | 78410 | Nueces | View Map |
| Texas | Corpus Christi | 78411 | Nueces | View Map |
| Texas | Corpus Christi | 78412 | Nueces | View Map |
| Texas | Corpus Christi | 78413 | Nueces | View Map |
| Texas | Corpus Christi | 78414 | Nueces | View Map |
| Texas | Corpus Christi | 78415 | Nueces | View Map |
| Texas | Corpus Christi | 78416 | Nueces | View Map |
| Texas | Corpus Christi | 78417 | Nueces | View Map |
| Texas | Corpus Christi | 78418 | Nueces | View Map |
| Texas | Corpus Christi | 78419 | Nueces | View Map |
| Texas | Corpus Christi | 78426 | Nueces | View Map |
| Texas | Corpus Christi | 78427 | Nueces | View Map |
| Texas | Corpus Christi | 78460 | Nueces | View Map |
| Texas | Corpus Christi | 78461 | Nueces | View Map |
| Texas | Corpus Christi | 78463 | Nueces | View Map |
| Texas | Corpus Christi | 78465 | Nueces | View Map |
| Texas | Corpus Christi | 78466 | Nueces | View Map |
| Texas | Corpus Christi | 78467 | Nueces | View Map |
| Texas | Corpus Christi | 78468 | Nueces | View Map |
| Texas | Corpus Christi | 78469 | Nueces | View Map |
| Texas | Corpus Christi | 78470 | Nueces | View Map |
| Texas | Corpus Christi | 78471 | Nueces | View Map |
| Texas | Corpus Christi | 78472 | Nueces | View Map |
| Texas | Corpus Christi | 78473 | Nueces | View Map |
| Texas | Corpus Christi | 78474 | Nueces | View Map |
| Texas | Corpus Christi | 78475 | Nueces | View Map |
| Texas | Corpus Christi | 78476 | Nueces | View Map |
| Texas | Corpus Christi | 78477 | Nueces | View Map |
| Texas | Corpus Christi | 78478 | Nueces | View Map |
| Texas | Corpus Christi | 78480 | Nueces | View Map |
| Texas | Mcallen | 78501 | Hidalgo | View Map |
| Texas | Mcallen | 78502 | Hidalgo | View Map |
| Texas | Mcallen | 78503 | Hidalgo | View Map |
| Texas | Mcallen | 78504 | Hidalgo | View Map |
| Texas | Mcallen | 78505 | Hidalgo | View Map |
| Texas | Alamo | 78516 | Hidalgo | View Map |
| Texas | Brownsville | 78520 | Cameron | View Map |
| Texas | Brownsville | 78521 | Cameron | View Map |
| Texas | Brownsville | 78522 | Cameron | View Map |
| Texas | Brownsville | 78523 | Cameron | View Map |
| Texas | Brownsville | 78526 | Cameron | View Map |
| Texas | Combes | 78535 | Cameron | View Map |
| Texas | Delmita | 78536 | Starr | View Map |
| Texas | Donna | 78537 | Hidalgo | View Map |
| Texas | Edcouch | 78538 | Hidalgo | View Map |
| Texas | Edinburg | 78539 | Hidalgo | View Map |
| Texas | Edinburg | 78540 | Hidalgo | View Map |
| Texas | Edinburg | 78541 | Hidalgo | View Map |
| Texas | Elsa | 78543 | Hidalgo | View Map |
| Texas | Falcon Heights | 78545 | Starr | View Map |
| Texas | Garciasville | 78547 | Starr | View Map |
| Texas | Grulla | 78548 | Starr | View Map |
| Texas | Hargill | 78549 | Hidalgo | View Map |
| Texas | Harlingen | 78550 | Cameron | View Map |
| Texas | Harlingen | 78551 | Cameron | View Map |
| Texas | Harlingen | 78552 | Cameron | View Map |
| Texas | Harlingen | 78553 | Cameron | View Map |
| Texas | Hidalgo | 78557 | Hidalgo | View Map |
| Texas | La Blanca | 78558 | Hidalgo | View Map |
| Texas | La Feria | 78559 | Cameron | View Map |
| Texas | La Joya | 78560 | Hidalgo | View Map |
| Texas | Lasara | 78561 | Willacy | View Map |
| Texas | La Villa | 78562 | Hidalgo | View Map |
| Texas | Linn | 78563 | Hidalgo | View Map |
| Texas | Lopeno | 78564 | Zapata | View Map |
| Texas | Los Ebanos | 78565 | Hidalgo | View Map |
| Texas | Los Fresnos | 78566 | Cameron | View Map |
| Texas | Los Indios | 78567 | Cameron | View Map |
| Texas | Lozano | 78568 | Cameron | View Map |
| Texas | Lyford | 78569 | Willacy | View Map |
| Texas | Mercedes | 78570 | Hidalgo | View Map |
| Texas | Mission | 78572 | Hidalgo | View Map |
| Texas | Mission | 78573 | Hidalgo | View Map |
| Texas | Mission | 78574 | Hidalgo | View Map |
| Texas | Olmito | 78575 | Cameron | View Map |
| Texas | Penitas | 78576 | Hidalgo | View Map |
| Texas | Pharr | 78577 | Hidalgo | View Map |
| Texas | Port Isabel | 78578 | Cameron | View Map |
| Texas | Progreso | 78579 | Hidalgo | View Map |
| Texas | Raymondville | 78580 | Willacy | View Map |
| Texas | Rio Grande City | 78582 | Starr | View Map |
| Texas | Rio Hondo | 78583 | Cameron | View Map |
| Texas | Roma | 78584 | Starr | View Map |
| Texas | Salineno | 78585 | Starr | View Map |
| Texas | San Benito | 78586 | Cameron | View Map |
| Texas | San Isidro | 78588 | Starr | View Map |
| Texas | San Juan | 78589 | Hidalgo | View Map |
| Texas | San Perlita | 78590 | Willacy | View Map |
| Texas | Santa Elena | 78591 | Starr | View Map |
| Texas | Santa Maria | 78592 | Cameron | View Map |
| Texas | Santa Rosa | 78593 | Cameron | View Map |
| Texas | Sebastian | 78594 | Willacy | View Map |
| Texas | Sullivan City | 78595 | Hidalgo | View Map |
| Texas | Weslaco | 78596 | Hidalgo | View Map |
| Texas | South Padre Island | 78597 | Cameron | View Map |
| Texas | Port Mansfield | 78598 | Willacy | View Map |
| Texas | Weslaco | 78599 | Hidalgo | View Map |
| Texas | Bastrop | 78602 | Bastrop | View Map |
| Texas | Belmont | 78604 | Gonzales | View Map |
| Texas | Bertram | 78605 | Burnet | View Map |
| Texas | Blanco | 78606 | Blanco | View Map |
| Texas | Bluffton | 78607 | Llano | View Map |
| Texas | Briggs | 78608 | Burnet | View Map |
| Texas | Buchanan Dam | 78609 | Llano | View Map |
| Texas | Buda | 78610 | Hays | View Map |
| Texas | Burnet | 78611 | Burnet | View Map |
| Texas | Cedar Creek | 78612 | Bastrop | View Map |
| Texas | Cedar Park | 78613 | Williamson | View Map |
| Texas | Cost | 78614 | Gonzales | View Map |
| Texas | Coupland | 78615 | Williamson | View Map |
| Texas | Dale | 78616 | Caldwell | View Map |
| Texas | Del Valle | 78617 | Travis | View Map |
| Texas | Doss | 78618 | Gillespie | View Map |
| Texas | Driftwood | 78619 | Hays | View Map |
| Texas | Dripping Springs | 78620 | Hays | View Map |
| Texas | Elgin | 78621 | Bastrop | View Map |
| Texas | Fentress | 78622 | Caldwell | View Map |
| Texas | Fischer | 78623 | Comal | View Map |
| Texas | Fredericksburg | 78624 | Gillespie | View Map |
| Texas | Georgetown | 78626 | Williamson | View Map |
| Texas | Georgetown | 78627 | Williamson | View Map |
| Texas | Georgetown | 78628 | Williamson | View Map |
| Texas | Gonzales | 78629 | Gonzales | View Map |
| Texas | Cedar Park | 78630 | Williamson | View Map |
| Texas | Harper | 78631 | Gillespie | View Map |
| Texas | Harwood | 78632 | Gonzales | View Map |
| Texas | Hutto | 78634 | Williamson | View Map |
| Texas | Hye | 78635 | Blanco | View Map |
| Texas | Johnson City | 78636 | Blanco | View Map |
| Texas | Kingsbury | 78638 | Guadalupe | View Map |
| Texas | Kingsland | 78639 | Llano | View Map |
| Texas | Kyle | 78640 | Hays | View Map |
| Texas | Leander | 78641 | Williamson | View Map |
| Texas | Liberty Hill | 78642 | Williamson | View Map |
| Texas | Llano | 78643 | Llano | View Map |
| Texas | Lockhart | 78644 | Caldwell | View Map |
| Texas | Leander | 78645 | Travis | View Map |
| Texas | Leander | 78646 | Williamson | View Map |
| Texas | Luling | 78648 | Caldwell | View Map |
| Texas | Mc Dade | 78650 | Bastrop | View Map |
| Texas | Mc Neil | 78651 | Travis | View Map |
| Texas | Manchaca | 78652 | Travis | View Map |
| Texas | Manor | 78653 | Travis | View Map |
| Texas | Marble Falls | 78654 | Burnet | View Map |
| Texas | Mardale | 78655 | Caldwell | View Map |
| Texas | Maxwell | 78656 | Caldwell | View Map |
| Texas | Horseshoe Bay | 78657 | Llano | View Map |
| Texas | Ote | 78658 | Gonzales | View Map |
| Texas | Paige | 78659 | Bastrop | View Map |
| Texas | Pflugerville | 78660 | Travis | View Map |
| Texas | Prairie Lea | 78661 | Caldwell | View Map |
| Texas | Red Rock | 78662 | Bastrop | View Map |
| Texas | Round Mountain | 78663 | Blanco | View Map |
| Texas | Round Rock | 78664 | Williamson | View Map |
| Texas | San Marcos | 78666 | Hays | View Map |
| Texas | San Marcos | 78667 | Hays | View Map |
| Texas | Spicewood | 78669 | Travis | View Map |
| Texas | Staples | 78670 | Guadalupe | View Map |
| Texas | Stonewall | 78671 | Gillespie | View Map |
| Texas | Tow | 78672 | Llano | View Map |
| Texas | Walburg | 78673 | Williamson | View Map |
| Texas | Weir | 78674 | Williamson | View Map |
| Texas | Willow City | 78675 | Gillespie | View Map |
| Texas | Wimberley | 78676 | Hays | View Map |
| Texas | Wrightsboro | 78677 | Gonzales | View Map |
| Texas | Round Rock | 78680 | Williamson | View Map |
| Texas | Round Rock | 78681 | Williamson | View Map |
| Texas | Round Rock | 78682 | Williamson | View Map |
| Texas | Round Rock | 78683 | Williamson | View Map |
| Texas | Pflugerville | 78691 | Travis | View Map |
| Texas | Aus | 78701 | Travis | View Map |
| Texas | Aus | 78702 | Travis | View Map |
| Texas | Aus | 78703 | Travis | View Map |
| Texas | Aus | 78704 | Travis | View Map |
| Texas | Aus | 78705 | Travis | View Map |
| Texas | Aus | 78708 | Travis | View Map |
| Texas | Aus | 78709 | Travis | View Map |
| Texas | Aus | 78710 | Travis | View Map |
| Texas | Aus | 78711 | Travis | View Map |
| Texas | Aus | 78712 | Travis | View Map |
| Texas | Aus | 78713 | Travis | View Map |
| Texas | Aus | 78714 | Travis | View Map |
| Texas | Aus | 78715 | Travis | View Map |
| Texas | Aus | 78716 | Travis | View Map |
| Texas | Aus | 78717 | Williamson | View Map |
| Texas | Aus | 78718 | Travis | View Map |
| Texas | Aus | 78719 | Travis | View Map |
| Texas | Aus | 78720 | Travis | View Map |
| Texas | Aus | 78721 | Travis | View Map |
| Texas | Aus | 78722 | Travis | View Map |
| Texas | Aus | 78723 | Travis | View Map |
| Texas | Aus | 78724 | Travis | View Map |
| Texas | Aus | 78725 | Travis | View Map |
| Texas | Aus | 78726 | Travis | View Map |
| Texas | Aus | 78727 | Travis | View Map |
| Texas | Aus | 78728 | Travis | View Map |
| Texas | Aus | 78729 | Williamson | View Map |
| Texas | Aus | 78730 | Travis | View Map |
| Texas | Aus | 78731 | Travis | View Map |
| Texas | Aus | 78732 | Travis | View Map |
| Texas | Aus | 78733 | Travis | View Map |
| Texas | Aus | 78734 | Travis | View Map |
| Texas | Aus | 78735 | Travis | View Map |
| Texas | Aus | 78736 | Travis | View Map |
| Texas | Aus | 78737 | Hays | View Map |
| Texas | Aus | 78738 | Travis | View Map |
| Texas | Aus | 78739 | Travis | View Map |
| Texas | Aus | 78741 | Travis | View Map |
| Texas | Aus | 78742 | Travis | View Map |
| Texas | Aus | 78744 | Travis | View Map |
| Texas | Aus | 78745 | Travis | View Map |
| Texas | Aus | 78746 | Travis | View Map |
| Texas | Aus | 78747 | Travis | View Map |
| Texas | Aus | 78748 | Travis | View Map |
| Texas | Aus | 78749 | Travis | View Map |
| Texas | Aus | 78750 | Travis | View Map |
| Texas | Aus | 78751 | Travis | View Map |
| Texas | Aus | 78752 | Travis | View Map |
| Texas | Aus | 78753 | Travis | View Map |
| Texas | Aus | 78754 | Travis | View Map |
| Texas | Aus | 78755 | Travis | View Map |
| Texas | Aus | 78756 | Travis | View Map |
| Texas | Aus | 78757 | Travis | View Map |
| Texas | Aus | 78758 | Travis | View Map |
| Texas | Aus | 78759 | Travis | View Map |
| Texas | Aus | 78760 | Travis | View Map |
| Texas | Aus | 78761 | Travis | View Map |
| Texas | Aus | 78762 | Travis | View Map |
| Texas | Aus | 78763 | Travis | View Map |
| Texas | Aus | 78764 | Travis | View Map |
| Texas | Aus | 78765 | Travis | View Map |
| Texas | Aus | 78766 | Travis | View Map |
| Texas | Aus | 78767 | Travis | View Map |
| Texas | Aus | 78768 | Travis | View Map |
| Texas | Aus | 78769 | Travis | View Map |
| Texas | Aus | 78772 | Travis | View Map |
| Texas | Aus | 78773 | Travis | View Map |
| Texas | Aus | 78774 | Travis | View Map |
| Texas | Aus | 78778 | Travis | View Map |
| Texas | Aus | 78779 | Travis | View Map |
| Texas | Aus | 78780 | Travis | View Map |
| Texas | Aus | 78781 | Travis | View Map |
| Texas | Aus | 78783 | Travis | View Map |
| Texas | Aus | 78785 | Travis | View Map |
| Texas | Aus | 78786 | Travis | View Map |
| Texas | Aus | 78788 | Travis | View Map |
| Texas | Aus | 78789 | Travis | View Map |
| Texas | Aus | 78798 | Travis | View Map |
| Texas | Aus | 78799 | Travis | View Map |
| Texas | Uvalde | 78801 | Uvalde | View Map |
| Texas | Uvalde | 78802 | Uvalde | View Map |
| Texas | Asherton | 78827 | Dimmit | View Map |
| Texas | Barksdale | 78828 | Edwards | View Map |
| Texas | Batesville | 78829 | Zavala | View Map |
| Texas | Big Wells | 78830 | Dimmit | View Map |
| Texas | Brackettville | 78832 | Kinney | View Map |
| Texas | Camp Wood | 78833 | Real | View Map |
| Texas | Carrizo Springs | 78834 | Dimmit | View Map |
| Texas | Catarina | 78836 | Dimmit | View Map |
| Texas | Comstock | 78837 | Val Verde | View Map |
| Texas | Concan | 78838 | Uvalde | View Map |
| Texas | Crystal City | 78839 | Zavala | View Map |
| Texas | Del Rio | 78840 | Val Verde | View Map |
| Texas | Del Rio | 78841 | Val Verde | View Map |
| Texas | Del Rio | 78842 | Val Verde | View Map |
| Texas | Laughlin A F B | 78843 | Val Verde | View Map |
| Texas | Del Rio | 78847 | Val Verde | View Map |
| Texas | D Hanis | 78850 | Medina | View Map |
| Texas | Dryden | 78851 | Terrell | View Map |
| Texas | Eagle Pass | 78852 | Maverick | View Map |
| Texas | Eagle Pass | 78853 | Maverick | View Map |
| Texas | El Indio | 78860 | Maverick | View Map |
| Texas | Hondo | 78861 | Medina | View Map |
| Texas | Knippa | 78870 | Uvalde | View Map |
| Texas | Langtry | 78871 | Val Verde | View Map |
| Texas | La Pryor | 78872 | Zavala | View Map |
| Texas | Leakey | 78873 | Real | View Map |
| Texas | Quemado | 78877 | Maverick | View Map |
| Texas | Rio Frio | 78879 | Real | View Map |
| Texas | Rocksprings | 78880 | Edwards | View Map |
| Texas | Sabinal | 78881 | Uvalde | View Map |
| Texas | Tarpley | 78883 | Bandera | View Map |
| Texas | Utopia | 78884 | Uvalde | View Map |
| Texas | Vanderpool | 78885 | Bandera | View Map |
| Texas | Yancey | 78886 | Medina | View Map |
| Texas | Bleiblerville | 78931 | Aus | View Map |
| Texas | Carmine | 78932 | Fayette | View Map |
| Texas | Cat Spring | 78933 | Aus | View Map |
| Texas | Columbus | 78934 | Colorado | View Map |
| Texas | Alleyton | 78935 | Colorado | View Map |
| Texas | Ellinger | 78938 | Fayette | View Map |
| Texas | Fayetteville | 78940 | Fayette | View Map |
| Texas | Flatonia | 78941 | Fayette | View Map |
| Texas | Giddings | 78942 | Lee | View Map |
| Texas | Glidden | 78943 | Colorado | View Map |
| Texas | Industry | 78944 | Aus | View Map |
| Texas | La Grange | 78945 | Fayette | View Map |
| Texas | Ledbetter | 78946 | Fayette | View Map |
| Texas | Lexington | 78947 | Lee | View Map |
| Texas | Lincoln | 78948 | Lee | View Map |
| Texas | Muldoon | 78949 | Fayette | View Map |
| Texas | New Ulm | 78950 | Aus | View Map |
| Texas | Oakland | 78951 | Colorado | View Map |
| Texas | Plum | 78952 | Fayette | View Map |
| Texas | Rosanky | 78953 | Bastrop | View Map |
| Texas | Round Top | 78954 | Fayette | View Map |
| Texas | Schulenburg | 78956 | Fayette | View Map |
| Texas | Smithville | 78957 | Bastrop | View Map |
| Texas | Waelder | 78959 | Gonzales | View Map |
| Texas | Warda | 78960 | Fayette | View Map |
| Texas | Warrenton | 78961 | Fayette | View Map |
| Texas | Weimar | 78962 | Colorado | View Map |
| Texas | West Point | 78963 | Fayette | View Map |
| Texas | Adrian | 79001 | Oldham | View Map |
| Texas | Alanreed | 79002 | Gray | View Map |
| Texas | Allison | 79003 | Wheeler | View Map |
| Texas | Booker | 79005 | Lipscomb | View Map |
| Texas | Borger | 79007 | Hutchinson | View Map |
| Texas | Borger | 79008 | Hutchinson | View Map |
| Texas | Bovina | 79009 | Parmer | View Map |
| Texas | Boys Ranch | 79010 | Oldham | View Map |
| Texas | Briscoe | 79011 | Wheeler | View Map |
| Texas | Bushland | 79012 | Potter | View Map |
| Texas | Cactus | 79013 | Moore | View Map |
| Texas | Canadian | 79014 | Hemphill | View Map |
| Texas | Canyon | 79015 | Randall | View Map |
| Texas | Canyon | 79016 | Randall | View Map |
| Texas | Channing | 79018 | Hartley | View Map |
| Texas | Claude | 79019 | Armstrong | View Map |
| Texas | Cotton Center | 79021 | Hale | View Map |
| Texas | Dalhart | 79022 | Dallam | View Map |
| Texas | Darrouzett | 79024 | Lipscomb | View Map |
| Texas | Dawn | 79025 | Deaf Smith | View Map |
| Texas | Dimmitt | 79027 | Castro | View Map |
| Texas | Dumas | 79029 | Moore | View Map |
| Texas | Earth | 79031 | Lamb | View Map |
| Texas | Edmonson | 79032 | Hale | View Map |
| Texas | Farnsworth | 79033 | Ochiltree | View Map |
| Texas | Follett | 79034 | Lipscomb | View Map |
| Texas | Friona | 79035 | Parmer | View Map |
| Texas | Fritch | 79036 | Hutchinson | View Map |
| Texas | Groom | 79039 | Carson | View Map |
| Texas | Gruver | 79040 | Hansford | View Map |
| Texas | Hale Center | 79041 | Hale | View Map |
| Texas | Happy | 79042 | Swisher | View Map |
| Texas | Hart | 79043 | Castro | View Map |
| Texas | Hartley | 79044 | Hartley | View Map |
| Texas | Hereford | 79045 | Deaf Smith | View Map |
| Texas | Higgins | 79046 | Lipscomb | View Map |
| Texas | Kerrick | 79051 | Dallam | View Map |
| Texas | Kress | 79052 | Swisher | View Map |
| Texas | Lazbuddie | 79053 | Parmer | View Map |
| Texas | Lefors | 79054 | Gray | View Map |
| Texas | Lipscomb | 79056 | Lipscomb | View Map |
| Texas | Mclean | 79057 | Gray | View Map |
| Texas | Masterson | 79058 | Moore | View Map |
| Texas | Miami | 79059 | Roberts | View Map |
| Texas | Mobeetie | 79061 | Wheeler | View Map |
| Texas | Morse | 79062 | Hansford | View Map |
| Texas | Nazareth | 79063 | Castro | View Map |
| Texas | Olton | 79064 | Lamb | View Map |
| Texas | Pampa | 79065 | Gray | View Map |
| Texas | Pampa | 79066 | Gray | View Map |
| Texas | Panhandle | 79068 | Carson | View Map |
| Texas | Perryton | 79070 | Ochiltree | View Map |
| Texas | Plainview | 79072 | Hale | View Map |
| Texas | Plainview | 79073 | Hale | View Map |
| Texas | Sam Norwood | 79077 | Collingsworth | View Map |
| Texas | Sanford | 79078 | Hutchinson | View Map |
| Texas | Shamrock | 79079 | Wheeler | View Map |
| Texas | Skellytown | 79080 | Carson | View Map |
| Texas | Spearman | 79081 | Hansford | View Map |
| Texas | Springlake | 79082 | Lamb | View Map |
| Texas | Snett | 79083 | Hutchinson | View Map |
| Texas | Stratford | 79084 | Sherman | View Map |
| Texas | Summerfield | 79085 | Castro | View Map |
| Texas | Sunray | 79086 | Moore | View Map |
| Texas | Texline | 79087 | Dallam | View Map |
| Texas | Tulia | 79088 | Swisher | View Map |
| Texas | Umbarger | 79091 | Randall | View Map |
| Texas | Vega | 79092 | Oldham | View Map |
| Texas | Waka | 79093 | Ochiltree | View Map |
| Texas | Wayside | 79094 | Armstrong | View Map |
| Texas | Wellington | 79095 | Collingsworth | View Map |
| Texas | Wheeler | 79096 | Wheeler | View Map |
| Texas | White Deer | 79097 | Carson | View Map |
| Texas | Wildorado | 79098 | Oldham | View Map |
| Texas | Amarillo | 79101 | Potter | View Map |
| Texas | Amarillo | 79102 | Potter | View Map |
| Texas | Amarillo | 79103 | Potter | View Map |
| Texas | Amarillo | 79104 | Potter | View Map |
| Texas | Amarillo | 79105 | Potter | View Map |
| Texas | Amarillo | 79106 | Potter | View Map |
| Texas | Amarillo | 79107 | Potter | View Map |
| Texas | Amarillo | 79108 | Potter | View Map |
| Texas | Amarillo | 79109 | Randall | View Map |
| Texas | Amarillo | 79110 | Randall | View Map |
| Texas | Amarillo | 79111 | Potter | View Map |
| Texas | Amarillo | 79114 | Randall | View Map |
| Texas | Amarillo | 79116 | Potter | View Map |
| Texas | Amarillo | 79117 | Potter | View Map |
| Texas | Amarillo | 79118 | Randall | View Map |
| Texas | Amarillo | 79119 | Randall | View Map |
| Texas | Amarillo | 79120 | Potter | View Map |
| Texas | Amarillo | 79121 | Randall | View Map |
| Texas | Amarillo | 79124 | Potter | View Map |
| Texas | Amarillo | 79159 | Potter | View Map |
| Texas | Amarillo | 79166 | Potter | View Map |
| Texas | Amarillo | 79168 | Potter | View Map |
| Texas | Amarillo | 79172 | Potter | View Map |
| Texas | Amarillo | 79174 | Potter | View Map |
| Texas | Amarillo | 79178 | Potter | View Map |
| Texas | Amarillo | 79185 | Potter | View Map |
| Texas | Amarillo | 79187 | Potter | View Map |
| Texas | Amarillo | 79189 | Potter | View Map |
| Texas | Childress | 79201 | Childress | View Map |
| Texas | Afton | 79220 | Dickens | View Map |
| Texas | Aiken | 79221 | Floyd | View Map |
| Texas | Cee Vee | 79223 | Cottle | View Map |
| Texas | Chillicothe | 79225 | Hardeman | View Map |
| Texas | Clarendon | 79226 | Donley | View Map |
| Texas | Crowell | 79227 | Foard | View Map |
| Texas | Dickens | 79229 | Dickens | View Map |
| Texas | Dodson | 79230 | Collingsworth | View Map |
| Texas | Dougherty | 79231 | Floyd | View Map |
| Texas | Estelline | 79233 | Hall | View Map |
| Texas | Flomot | 79234 | Motley | View Map |
| Texas | Floydada | 79235 | Floyd | View Map |
| Texas | Guthrie | 79236 | King | View Map |
| Texas | Hedley | 79237 | Donley | View Map |
| Texas | Lakeview | 79239 | Hall | View Map |
| Texas | Lelia Lake | 79240 | Donley | View Map |
| Texas | Lockney | 79241 | Floyd | View Map |
| Texas | Mcadoo | 79243 | Dickens | View Map |
| Texas | Matador | 79244 | Motley | View Map |
| Texas | Memphis | 79245 | Hall | View Map |
| Texas | Odell | 79247 | Wilbarger | View Map |
| Texas | Paducah | 79248 | Cottle | View Map |
| Texas | Petersburg | 79250 | Hale | View Map |
| Texas | Quail | 79251 | Collingsworth | View Map |
| Texas | Quanah | 79252 | Hardeman | View Map |
| Texas | Quitaque | 79255 | Briscoe | View Map |
| Texas | Roaring Springs | 79256 | Motley | View Map |
| Texas | Silverton | 79257 | Briscoe | View Map |
| Texas | South Plains | 79258 | Floyd | View Map |
| Texas | Tell | 79259 | Childress | View Map |
| Texas | Turkey | 79261 | Hall | View Map |
| Texas | Abernathy | 79311 | Hale | View Map |
| Texas | Amherst | 79312 | Lamb | View Map |
| Texas | Anton | 79313 | Hockley | View Map |
| Texas | Bledsoe | 79314 | Cochran | View Map |
| Texas | Brownfield | 79316 | Terry | View Map |
| Texas | Bula | 79320 | Bailey | View Map |
| Texas | Crosbyton | 79322 | Crosby | View Map |
| Texas | Denver City | 79323 | Yoakum | View Map |
| Texas | Enochs | 79324 | Bailey | View Map |
| Texas | Farwell | 79325 | Parmer | View Map |
| Texas | Fieldton | 79326 | Lamb | View Map |
| Texas | Idalou | 79329 | Lubbock | View Map |
| Texas | Justiceburg | 79330 | Garza | View Map |
| Texas | Lamesa | 79331 | Dawson | View Map |
| Texas | Levelland | 79336 | Hockley | View Map |
| Texas | Levelland | 79338 | Hockley | View Map |
| Texas | Littlefield | 79339 | Lamb | View Map |
| Texas | Loop | 79342 | Gaines | View Map |
| Texas | Lorenzo | 79343 | Crosby | View Map |
| Texas | Maple | 79344 | Bailey | View Map |
| Texas | Meadow | 79345 | Terry | View Map |
| Texas | Morton | 79346 | Cochran | View Map |
| Texas | Muleshoe | 79347 | Bailey | View Map |
| Texas | New Deal | 79350 | Lubbock | View Map |
| Texas | Odonnell | 79351 | Lynn | View Map |
| Texas | Pep | 79353 | Hockley | View Map |
| Texas | Plains | 79355 | Yoakum | View Map |
| Texas | Post | 79356 | Garza | View Map |
| Texas | Ralls | 79357 | Crosby | View Map |
| Texas | Ropesville | 79358 | Hockley | View Map |
| Texas | Seagraves | 79359 | Gaines | View Map |
| Texas | Seminole | 79360 | Gaines | View Map |
| Texas | Shallowater | 79363 | Lubbock | View Map |
| Texas | Slaton | 79364 | Lubbock | View Map |
| Texas | Ransom Canyon | 79366 | Lubbock | View Map |
| Texas | Smyer | 79367 | Hockley | View Map |
| Texas | Spade | 79369 | Lamb | View Map |
| Texas | Spur | 79370 | Dickens | View Map |
| Texas | Sudan | 79371 | Lamb | View Map |
| Texas | Sundown | 79372 | Hockley | View Map |
| Texas | Tahoka | 79373 | Lynn | View Map |
| Texas | Tokio | 79376 | Yoakum | View Map |
| Texas | Welch | 79377 | Dawson | View Map |
| Texas | Wellman | 79378 | Terry | View Map |
| Texas | Whiteface | 79379 | Cochran | View Map |
| Texas | Whitharral | 79380 | Hockley | View Map |
| Texas | Wilson | 79381 | Lynn | View Map |
| Texas | Wolfforth | 79382 | Lubbock | View Map |
| Texas | New Home | 79383 | Lynn | View Map |
| Texas | Lubbock | 79401 | Lubbock | View Map |
| Texas | Lubbock | 79402 | Lubbock | View Map |
| Texas | Lubbock | 79403 | Lubbock | View Map |
| Texas | Lubbock | 79404 | Lubbock | View Map |
| Texas | Lubbock | 79405 | Lubbock | View Map |
| Texas | Lubbock | 79406 | Lubbock | View Map |
| Texas | Lubbock | 79407 | Lubbock | View Map |
| Texas | Lubbock | 79408 | Lubbock | View Map |
| Texas | Lubbock | 79409 | Lubbock | View Map |
| Texas | Lubbock | 79410 | Lubbock | View Map |
| Texas | Lubbock | 79411 | Lubbock | View Map |
| Texas | Lubbock | 79412 | Lubbock | View Map |
| Texas | Lubbock | 79413 | Lubbock | View Map |
| Texas | Lubbock | 79414 | Lubbock | View Map |
| Texas | Lubbock | 79415 | Lubbock | View Map |
| Texas | Lubbock | 79416 | Lubbock | View Map |
| Texas | Lubbock | 79423 | Lubbock | View Map |
| Texas | Lubbock | 79424 | Lubbock | View Map |
| Texas | Lubbock | 79430 | Lubbock | View Map |
| Texas | Lubbock | 79452 | Lubbock | View Map |
| Texas | Lubbock | 79453 | Lubbock | View Map |
| Texas | Lubbock | 79457 | Lubbock | View Map |
| Texas | Lubbock | 79464 | Lubbock | View Map |
| Texas | Lubbock | 79490 | Lubbock | View Map |
| Texas | Lubbock | 79491 | Lubbock | View Map |
| Texas | Lubbock | 79493 | Lubbock | View Map |
| Texas | Lubbock | 79499 | Lubbock | View Map |
| Texas | Anson | 79501 | Jones | View Map |
| Texas | Aspermont | 79502 | Stonewall | View Map |
| Texas | Avoca | 79503 | Jones | View Map |
| Texas | Baird | 79504 | Callahan | View Map |
| Texas | Benjamin | 79505 | Knox | View Map |
| Texas | Blackwell | 79506 | Nolan | View Map |
| Texas | Buffalo Gap | 79508 | Taylor | View Map |
| Texas | Clyde | 79510 | Callahan | View Map |
| Texas | Coahoma | 79511 | Howard | View Map |
| Texas | Colorado City | 79512 | Mitchell | View Map |
| Texas | Dunn | 79516 | Scurry | View Map |
| Texas | Fluvanna | 79517 | Scurry | View Map |
| Texas | Girard | 79518 | Kent | View Map |
| Texas | Goldsboro | 79519 | Coleman | View Map |
| Texas | Hamlin | 79520 | Jones | View Map |
| Texas | Haskell | 79521 | Haskell | View Map |
| Texas | Hawley | 79525 | Jones | View Map |
| Texas | Hermleigh | 79526 | Scurry | View Map |
| Texas | Ira | 79527 | Scurry | View Map |
| Texas | Jayton | 79528 | Kent | View Map |
| Texas | Knox City | 79529 | Knox | View Map |
| Texas | Lawn | 79530 | Taylor | View Map |
| Texas | Loraine | 79532 | Mitchell | View Map |
| Texas | Lueders | 79533 | Jones | View Map |
| Texas | Mc Caulley | 79534 | Fisher | View Map |
| Texas | Maryneal | 79535 | Nolan | View Map |
| Texas | Merkel | 79536 | Taylor | View Map |
| Texas | Nolan | 79537 | Nolan | View Map |
| Texas | Novice | 79538 | Coleman | View Map |
| Texas | O Brien | 79539 | Haskell | View Map |
| Texas | Old Glory | 79540 | Stonewall | View Map |
| Texas | Ovalo | 79541 | Taylor | View Map |
| Texas | Roby | 79543 | Fisher | View Map |
| Texas | Rochester | 79544 | Haskell | View Map |
| Texas | Roscoe | 79545 | Nolan | View Map |
| Texas | Rotan | 79546 | Fisher | View Map |
| Texas | Rule | 79547 | Haskell | View Map |
| Texas | Rule | 79548 | Haskell | View Map |
| Texas | Snyder | 79549 | Scurry | View Map |
| Texas | Snyder | 79550 | Scurry | View Map |
| Texas | Stamford | 79553 | Jones | View Map |
| Texas | Sweetwater | 79556 | Nolan | View Map |
| Texas | Sylvester | 79560 | Fisher | View Map |
| Texas | Trent | 79561 | Taylor | View Map |
| Texas | Tuscola | 79562 | Taylor | View Map |
| Texas | Tye | 79563 | Taylor | View Map |
| Texas | Westbrook | 79565 | Mitchell | View Map |
| Texas | Wingate | 79566 | Runnels | View Map |
| Texas | Winters | 79567 | Runnels | View Map |
| Texas | Abilene | 79601 | Taylor | View Map |
| Texas | Abilene | 79602 | Taylor | View Map |
| Texas | Abilene | 79603 | Taylor | View Map |
| Texas | Abilene | 79604 | Taylor | View Map |
| Texas | Abilene | 79605 | Taylor | View Map |
| Texas | Abilene | 79606 | Taylor | View Map |
| Texas | Dyess Afb | 79607 | Taylor | View Map |
| Texas | Abilene | 79608 | Taylor | View Map |
| Texas | Abilene | 79697 | Taylor | View Map |
| Texas | Abilene | 79698 | Taylor | View Map |
| Texas | Abilene | 79699 | Taylor | View Map |
| Texas | Midland | 79701 | Midland | View Map |
| Texas | Midland | 79702 | Midland | View Map |
| Texas | Midland | 79703 | Midland | View Map |
| Texas | Midland | 79704 | Midland | View Map |
| Texas | Midland | 79705 | Midland | View Map |
| Texas | Midland | 79706 | Midland | View Map |
| Texas | Midland | 79707 | Midland | View Map |
| Texas | Midland | 79708 | Midland | View Map |
| Texas | Midland | 79710 | Midland | View Map |
| Texas | Midland | 79711 | Midland | View Map |
| Texas | Midland | 79712 | Midland | View Map |
| Texas | Ackerly | 79713 | Martin | View Map |
| Texas | Andrews | 79714 | Andrews | View Map |
| Texas | Balmorhea | 79718 | Reeves | View Map |
| Texas | Barstow | 79719 | Ward | View Map |
| Texas | Big Spring | 79720 | Howard | View Map |
| Texas | Big Spring | 79721 | Howard | View Map |
| Texas | Coyanosa | 79730 | Pecos | View Map |
| Texas | Crane | 79731 | Crane | View Map |
| Texas | Forsan | 79733 | Howard | View Map |
| Texas | Fort Davis | 79734 | Jeff Davis | View Map |
| Texas | Fort Stockton | 79735 | Pecos | View Map |
| Texas | Gail | 79738 | Borden | View Map |
| Texas | Garden City | 79739 | Glasscock | View Map |
| Texas | Girvin | 79740 | Pecos | View Map |
| Texas | Goldsmith | 79741 | Ector | View Map |
| Texas | Grandfalls | 79742 | Ward | View Map |
| Texas | Imperial | 79743 | Pecos | View Map |
| Texas | Iraan | 79744 | Pecos | View Map |
| Texas | Kermit | 79745 | Winkler | View Map |
| Texas | Knott | 79748 | Howard | View Map |
| Texas | Lenorah | 79749 | Martin | View Map |
| Texas | Mc Camey | 79752 | Upton | View Map |
| Texas | Mentone | 79754 | Loving | View Map |
| Texas | Midkiff | 79755 | Upton | View Map |
| Texas | Monahans | 79756 | Ward | View Map |
| Texas | Gardendale | 79758 | Ector | View Map |
| Texas | Notrees | 79759 | Ector | View Map |
| Texas | Odessa | 79760 | Ector | View Map |
| Texas | Odessa | 79761 | Ector | View Map |
| Texas | Odessa | 79762 | Ector | View Map |
| Texas | Odessa | 79763 | Ector | View Map |
| Texas | Odessa | 79764 | Ector | View Map |
| Texas | Odessa | 79765 | Ector | View Map |
| Texas | Odessa | 79766 | Ector | View Map |
| Texas | Odessa | 79768 | Ector | View Map |
| Texas | Odessa | 79769 | Ector | View Map |
| Texas | Orla | 79770 | Reeves | View Map |
| Texas | Pecos | 79772 | Reeves | View Map |
| Texas | Penwell | 79776 | Ector | View Map |
| Texas | Pyote | 79777 | Ward | View Map |
| Texas | Rankin | 79778 | Upton | View Map |
| Texas | Saragosa | 79780 | Reeves | View Map |
| Texas | Sheffield | 79781 | Pecos | View Map |
| Texas | Stanton | 79782 | Martin | View Map |
| Texas | Tarzan | 79783 | Martin | View Map |
| Texas | Toyah | 79785 | Reeves | View Map |
| Texas | Toyahvale | 79786 | Reeves | View Map |
| Texas | Wickett | 79788 | Ward | View Map |
| Texas | Wink | 79789 | Winkler | View Map |
| Texas | Anthony | 79821 | El Paso | View Map |
| Texas | Alpine | 79830 | Brewster | View Map |
| Texas | Alpine | 79831 | Brewster | View Map |
| Texas | Alpine | 79832 | Brewster | View Map |
| Texas | Big Bend National Park | 79834 | Brewster | View Map |
| Texas | Canutillo | 79835 | El Paso | View Map |
| Texas | Clint | 79836 | El Paso | View Map |
| Texas | Dell City | 79837 | Hudspeth | View Map |
| Texas | Fabens | 79838 | El Paso | View Map |
| Texas | Fort Hancock | 79839 | Hudspeth | View Map |
| Texas | Marathon | 79842 | Brewster | View Map |
| Texas | Marfa | 79843 | Presidio | View Map |
| Texas | Presidio | 79845 | Presidio | View Map |
| Texas | Redford | 79846 | Presidio | View Map |
| Texas | Salt Flat | 79847 | Hudspeth | View Map |
| Texas | Sanderson | 79848 | Terrell | View Map |
| Texas | San Elizario | 79849 | El Paso | View Map |
| Texas | Sierra Blanca | 79851 | Hudspeth | View Map |
| Texas | Terlingua | 79852 | Brewster | View Map |
| Texas | Tornillo | 79853 | El Paso | View Map |
| Texas | Valene | 79854 | Presidio | View Map |
| Texas | Van Horn | 79855 | Culberson | View Map |
| Texas | El Paso | 79901 | El Paso | View Map |
| Texas | El Paso | 79902 | El Paso | View Map |
| Texas | El Paso | 79903 | El Paso | View Map |
| Texas | El Paso | 79904 | El Paso | View Map |
| Texas | El Paso | 79905 | El Paso | View Map |
| Texas | El Paso | 79906 | El Paso | View Map |
| Texas | El Paso | 79907 | El Paso | View Map |
| Texas | El Paso | 79908 | El Paso | View Map |
| Texas | El Paso | 79910 | El Paso | View Map |
| Texas | El Paso | 79911 | El Paso | View Map |
| Texas | El Paso | 79912 | El Paso | View Map |
| Texas | El Paso | 79913 | El Paso | View Map |
| Texas | El Paso | 79914 | El Paso | View Map |
| Texas | El Paso | 79915 | El Paso | View Map |
| Texas | El Paso | 79916 | El Paso | View Map |
| Texas | El Paso | 79917 | El Paso | View Map |
| Texas | El Paso | 79918 | El Paso | View Map |
| Texas | El Paso | 79920 | El Paso | View Map |
| Texas | El Paso | 79922 | El Paso | View Map |
| Texas | El Paso | 79923 | El Paso | View Map |
| Texas | El Paso | 79924 | El Paso | View Map |
| Texas | El Paso | 79925 | El Paso | View Map |
| Texas | El Paso | 79926 | El Paso | View Map |
| Texas | El Paso | 79927 | El Paso | View Map |
| Texas | El Paso | 79928 | El Paso | View Map |
| Texas | El Paso | 79929 | El Paso | View Map |
| Texas | El Paso | 79930 | El Paso | View Map |
| Texas | El Paso | 79931 | El Paso | View Map |
| Texas | El Paso | 79932 | El Paso | View Map |
| Texas | El Paso | 79934 | El Paso | View Map |
| Texas | El Paso | 79935 | El Paso | View Map |
| Texas | El Paso | 79936 | El Paso | View Map |
| Texas | El Paso | 79937 | El Paso | View Map |
| Texas | El Paso | 79938 | El Paso | View Map |
| Texas | El Paso | 79940 | El Paso | View Map |
| Texas | El Paso | 79941 | El Paso | View Map |
| Texas | El Paso | 79942 | El Paso | View Map |
| Texas | El Paso | 79943 | El Paso | View Map |
| Texas | El Paso | 79944 | El Paso | View Map |
| Texas | El Paso | 79945 | El Paso | View Map |
| Texas | El Paso | 79946 | El Paso | View Map |
| Texas | El Paso | 79947 | El Paso | View Map |
| Texas | El Paso | 79948 | El Paso | View Map |
| Texas | El Paso | 79949 | El Paso | View Map |
| Texas | El Paso | 79950 | El Paso | View Map |
| Texas | El Paso | 79951 | El Paso | View Map |
| Texas | El Paso | 79952 | El Paso | View Map |
| Texas | El Paso | 79953 | El Paso | View Map |
| Texas | El Paso | 79954 | El Paso | View Map |
| Texas | El Paso | 79955 | El Paso | View Map |
| Texas | El Paso | 79958 | El Paso | View Map |
| Texas | El Paso | 79960 | El Paso | View Map |
| Texas | El Paso | 79961 | El Paso | View Map |
| Texas | El Paso | 79968 | El Paso | View Map |
| Texas | El Paso | 79976 | El Paso | View Map |
| Texas | El Paso | 79978 | El Paso | View Map |
| Texas | El Paso | 79980 | El Paso | View Map |
| Texas | El Paso | 79990 | El Paso | View Map |
| Texas | El Paso | 79995 | El Paso | View Map |
| Texas | El Paso | 79996 | El Paso | View Map |
| Texas | El Paso | 79997 | El Paso | View Map |
| Texas | El Paso | 79998 | El Paso | View Map |
| Texas | El Paso | 79999 | El Paso | View Map |
| Texas | El Paso | 88510 | El Paso | View Map |
| Texas | El Paso | 88511 | El Paso | View Map |
| Texas | El Paso | 88512 | El Paso | View Map |
| Texas | El Paso | 88513 | El Paso | View Map |
| Texas | El Paso | 88514 | El Paso | View Map |
| Texas | El Paso | 88515 | El Paso | View Map |
| Texas | El Paso | 88516 | El Paso | View Map |
| Texas | El Paso | 88517 | El Paso | View Map |
| Texas | El Paso | 88518 | El Paso | View Map |
| Texas | El Paso | 88519 | El Paso | View Map |
| Texas | El Paso | 88520 | El Paso | View Map |
| Texas | El Paso | 88521 | El Paso | View Map |
| Texas | El Paso | 88523 | El Paso | View Map |
| Texas | El Paso | 88524 | El Paso | View Map |
| Texas | El Paso | 88525 | El Paso | View Map |
| Texas | El Paso | 88526 | El Paso | View Map |
| Texas | El Paso | 88527 | El Paso | View Map |
| Texas | El Paso | 88528 | El Paso | View Map |
| Texas | El Paso | 88529 | El Paso | View Map |
| Texas | El Paso | 88530 | El Paso | View Map |
| Texas | El Paso | 88531 | El Paso | View Map |
| Texas | El Paso | 88532 | El Paso | View Map |
| Texas | El Paso | 88533 | El Paso | View Map |
| Texas | El Paso | 88534 | El Paso | View Map |
| Texas | El Paso | 88535 | El Paso | View Map |
| Texas | El Paso | 88536 | El Paso | View Map |
| Texas | El Paso | 88538 | El Paso | View Map |
| Texas | El Paso | 88539 | El Paso | View Map |
| Texas | El Paso | 88540 | El Paso | View Map |
| Texas | El Paso | 88541 | El Paso | View Map |
| Texas | El Paso | 88542 | El Paso | View Map |
| Texas | El Paso | 88543 | El Paso | View Map |
| Texas | El Paso | 88544 | El Paso | View Map |
| Texas | El Paso | 88545 | El Paso | View Map |
| Texas | El Paso | 88546 | El Paso | View Map |
| Texas | El Paso | 88547 | El Paso | View Map |
| Texas | El Paso | 88548 | El Paso | View Map |
| Texas | El Paso | 88549 | El Paso | View Map |
| Texas | El Paso | 88550 | El Paso | View Map |
| Texas | El Paso | 88553 | El Paso | View Map |
| Texas | El Paso | 88554 | El Paso | View Map |
| Texas | El Paso | 88555 | El Paso | View Map |
| Texas | El Paso | 88556 | El Paso | View Map |
| Texas | El Paso | 88557 | El Paso | View Map |
| Texas | El Paso | 88558 | El Paso | View Map |
| Texas | El Paso | 88559 | El Paso | View Map |
| Texas | El Paso | 88560 | El Paso | View Map |
| Texas | El Paso | 88561 | El Paso | View Map |
| Texas | El Paso | 88562 | El Paso | View Map |
| Texas | El Paso | 88563 | El Paso | View Map |
| Texas | El Paso | 88565 | El Paso | View Map |
| Texas | El Paso | 88566 | El Paso | View Map |
| Texas | El Paso | 88567 | El Paso | View Map |
| Texas | El Paso | 88568 | El Paso | View Map |
| Texas | El Paso | 88569 | El Paso | View Map |
| Texas | El Paso | 88570 | El Paso | View Map |
| Texas | El Paso | 88571 | El Paso | View Map |
| Texas | El Paso | 88572 | El Paso | View Map |
| Texas | El Paso | 88573 | El Paso | View Map |
| Texas | El Paso | 88574 | El Paso | View Map |
| Texas | El Paso | 88575 | El Paso | View Map |
| Texas | El Paso | 88576 | El Paso | View Map |
| Texas | El Paso | 88577 | El Paso | View Map |
| Texas | El Paso | 88578 | El Paso | View Map |
| Texas | El Paso | 88579 | El Paso | View Map |
| Texas | El Paso | 88580 | El Paso | View Map |
| Texas | El Paso | 88581 | El Paso | View Map |
| Texas | El Paso | 88582 | El Paso | View Map |
| Texas | El Paso | 88583 | El Paso | View Map |
| Texas | El Paso | 88584 | El Paso | View Map |
| Texas | El Paso | 88585 | El Paso | View Map |
| Texas | El Paso | 88586 | El Paso | View Map |
| Texas | El Paso | 88587 | El Paso | View Map |
| Texas | El Paso | 88588 | El Paso | View Map |
| Texas | El Paso | 88589 | El Paso | View Map |
| Texas | El Paso | 88590 | El Paso | View Map |
| Texas | El Paso | 88595 | El Paso | View Map |
