Do you only offer VA loans?

No. I'm a Mortgage Loan Originator with Edge Home Finance, LLC, a mortgage broker, so I can shop a file across many lenders. VA is the majority of what I do, and I also handle FHA, Conventional, USDA and Non-QM.

Do you only service the Dayton and Cincinnati markets?

Dayton and Cincinnati are the majority of my business. I am personally licensed to originate mortgage loans in 34 states, and through the Edge Home Finance, LLC corporate referral program I can help veterans in every state except New York. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Cannabis Mortgages In Texas

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Are you looking to get a cannabis mortgage loan in Texas?

I can help.

The marijuana industry is one of the trickiest areas of home financing.

In Texas, the only legal marijuana is low THC medical cannabis through the Compassionate Use Program, sold by a small number of licensed dispensing organizations. Recreational marijuana is illegal. Federally, marijuana dispensed under a state issued medical license moved from Schedule I to Schedule III on April 28, 2026, so it is no longer banned outright, though it remains a controlled substance and businesses need DEA registration.

On top of that, as of July 31, 2026 Texas no longer allows retail sales of delta 8, delta 10, THCA and similar cannabinoid products. CBD and hemp products at 0.3 percent delta 9 THC or less are still legal. If a shop’s revenue came mostly from delta 8, that is now a business continuity question a lender will ask about.

Sadly, because of this, most banks will turn down anyone working in the marijuana industry.

The great news is it is possible for cannabis industry workers to get approved for a home loan.

Because I am a licensed Mortgage Loan Originator working through Edge Home Finance, LLC, a mortgage broker with access to many lenders, I am able to find mortgage companies that are ok with marijuana related mortgage financing.

State law last reviewed August 27, 2026.

Separate from the income question, and easy to miss: Texas’s disabled veteran property tax exemption is three different statutes, and a 100 percent rating or individual unemployability pay exempts the entire appraised value of your homestead, not the $12,000 everyone quotes. You file it with your county assessor and it has nothing to do with how you earn your money.

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Frequently Asked Questions About Marijuana Home Loans In Texas

Is CBD Considered The Same Thing As Cannabis?

Unfortunately, many banks are overly conservative and turning down CBD-related income. However, the great news is CBD income is allowed on all programs, including VA, FHA, Conventional, USDA, and Non QM. You will need to find a flexible mortgage broker that can connect you with a lender that can approve CBD related income.

What Options Do Marijuana Dispensary Workers In Texas Have For Mortgage Financing?

As a W2 employee of a marijuana dispensary in Texas, you can get approved for a Conventional or Non– QM mortgage loan. Unfortunately, VA and FHA mortgages are not available for dispensary workers.

Can Marijuana Dispensary Owners And Growers In Texas Get Approved For Mortgage Financing?

Unfortunately, if you are a marijuana dispensary owner or grower in Texas, your options are much more limited. You cannot get any sort of traditional mortgage financing like Conventional, FHA, or VA. You can, however, get approved for a Non-QM mortgage loan. These loans include Bank Statement Mortgage loans, P and L Mortgage loans, and No Doc Mortgage loans.

Are You Able To Provide Cannabis Mortgage Financing In The Entire State Of Texas?

Yes, I am approved to provide cannabis related mortgage financing in the entire state of Texas.

Can You Do Marijuana Industry Mortgage Financing In Any Other States?

Yes, I can provide marijuana industry mortgage financing in all states where I am licensed and marijuana income is allowed. I’m currently licensed in Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin. Additionally, through our corporate partner program, I am able to leverage our home office and offer mortgage financing in over 30 additional states.

Take the 30 second mortgage quiz to see if you qualify