Texas ITIN loans make homeownership possible for borrowers without a Social Security Number. Qualify with your ITIN, tax history, and steady income.
Built for hardworking Texas residents who file taxes with an ITIN.
Individuals who file US taxes using an ITIN and want to purchase a home for their family in Texas — especially common in El Paso and the border markets.
Workers with steady employment and pay stubs who use an ITIN for tax filing purposes. We see steady demand throughout Laredo and South Texas.
Business owners and independent contractors who file taxes with an ITIN and can document income through bank statements or P&L.
ITIN holders purchasing their first home in Texas, ready to build equity and establish roots in their community — estimate purchase power with our affordability calculator.
Families looking to purchase 2-4 unit properties, living in one unit while renting the others to offset mortgage costs — popular across McAllen and the Rio Grande Valley.
Borrowers with alternative credit histories who are ready to transition into traditional credit through responsible homeownership. See our mortgage process for what to expect.
Your ITIN number and tax history demonstrate your commitment to building a life in Texas. Our ITIN loan programs turn that commitment into homeownership.
Your Individual Taxpayer Identification Number (ITIN) is all you need. We work with borrowers who contribute to the US tax system through ITIN filing. Buyers who never filed US taxes may instead need a foreign-national loan.
Qualify using tax returns, bank statements, or a combination. W-2 employees and self-employed borrowers are both welcome — entrepreneurs often pair this approach with a bank-statement loan structure.
ITIN loans can finance single-family homes, condos, townhomes, and multi-unit properties up to 4 units across all Texas markets — investors targeting rentals can also explore a DSCR loan.
No traditional credit history? We accept alternative credit tradelines like rent payments, utility bills, and phone bills to establish your payment history. Check where your ratios land with our DTI calculator.
Your Individual Taxpayer Identification Number is the primary identifier. No Social Security Number required at any point in the process.
No FICO score? We accept rent receipts, utility payment history, and other alternative tradelines to establish creditworthiness.
Our team includes Spanish-speaking loan officers who can guide you through every step of the mortgage process in your preferred language.
From application to keys in hand.
Collect your valid ITIN, government ID, 2 years of tax returns, recent pay stubs or bank statements, and proof of assets for down payment.
Submit your documents to our ITIN specialist. We review your income, credit, and assets and issue a pre-approval letter within 48-72 hours.
Our underwriters verify your documentation, validate your income, and clear loan conditions. We work closely with you throughout. Timeline: 3-4 weeks.
Sign at a Texas title company and receive your keys. Welcome home—your hard work and dedication made this possible.
See how ITIN loans compare to traditional mortgage programs.
Common questions about ITIN mortgage loans in Texas.