Do you want or need to access the equity in your home but don’t qualify for a traditional Texas cash-out loan?

You may be able to access your home equity in a different way. is part of the Hurst Lending and Insurance Group of Companies.   We do offer Texas cash-out loans, but if you don’t qualify OR you want to access more than the legally mandated 80% of your equity, our residential sale leaseback program gives you another option.  If approved, you sell your home to us, and we lease it back to you. You may even have the option to buy it back in the future.

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What is a Residential Sale Lease Back?

  • An alternative to cash-out refinancing or home equity loans

  • Access more of your home equity – a Texas Cash Out Loan is limited to 80% of your equity

  • Continue to live in your home

  • Stay in the home long-term, or just a short time

  • Purchase the property back in the future (in some cases)

Why Get a Residential Sale Lease Back?

  • Help Pay Down Debt

  • Start a business or go back to school

  • Lock in a price for your home (when prices are high)

  • Limit risk of owning real estate

  • Sell your house now and rent it back (while you look for a new home)

  • Take cash out of your home even if your income situation has changed (such as retiring, going back to school, or becoming self-employed)

Get Started

At Hurst Lending, we work hard to find creative solutions for each customer’s unique needs – like our Residential Sale Lease Back Program and our wide range of home loan programs.

Low Down Payment Jumbo Loans

Jumbo loans with as little as 5% down.
jumbo mortgage for modern estate
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Cash Out Jumbo Loans

Unlike most Texas lenders, we offer adjustable or fixed rate jumbo cash out mortgages, as well as conventional cash out mortgages.
jumbo cash out mortgages
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FHA Multifamily Loans

Some of the most competitive financing packages available for multifamily, skilled nursing, assisted living, and elderly housing.
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Residential Bridge Loans

Save the hassle of moving twice. A residential bridge loan bridges the gap between buying your new home and selling your old one.
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Why Choose Us?

Customer Reviews


Repeat & Referred Business


Successfully Closed Loans/Year


aggie1002012 & 2013

Closed on our first home his morning and the process went great. Jay and his team do an outstanding job with communication and explaining everything along the way. For a first time buyer, they do a great job with every single step in the process.
Texags Forum
Hurst got me a great deal. I bought a new home so initially I dealt with the builder’s “preferred lender.” I told my builder’s “preferred lender” what Hurst’s offer was and he stated “sounds too good to be true, you sure he has everything included in his gfe?” Well, it was true and I couldn’t be happier!
Tony P
He beat our builder’s lender’s offer, was a whole lot easier and nicer to work with, answered our questions, and we closed on time. AND we got to work with Aggies all around.
We closed on our house with Jay in November. He did a great job for us as well. We had a few issues that were out of the ordinary, and he helped us get through underwriting on time and close on the original date.
TexAgs Forum

Family Owned. Texas Proud.

Still A Family Business

Founded by Jay Hurst and Scott Bialek, Hurst Lending & Insurance and its specialty divisions are still managed Jay, Scott and their families. While the mortgage industry is known for high turnover rates, Hurst Lending is recognized for providing consistent, personal service to our customers. That’s why more than 70% of our mortgage and insurance business is from repeat or referred customers!

Jay Hurst & Family

Jay Hurst & Family

Scott Bialek & Family

Scott Bialek & Family

Texas Aggie Heritage

Hurst Lending and its divisions are proud to be a part of the Texas A&M community.  Co-founder Jay Hurst (’00), investor Dat Nguyen (’98), senior manager of loan processing Sonja Zadel (’93) and several other employees and investors have degrees from Texas A&M.


Hurst Lending has been named twice among the 100 fastest-growing Aggie companies.

Out of a desire to serve the Texas A&M community, Hurst Lending & Insurance created a division called AgsReward, which offers an Aggie Realtor Referral program, apartment loans, and other mortgage and insurance offers particularly relevant to the Aggie family. AgsReward is a sponsor and active participant on the Real Estate Forum on

Hurst Lending is also very proud that we have twice been recognized on the Aggie 100 list of fastest-growing Aggie-owned companies.

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