ITIN refinance in Texas. Lower your rate. No SSN needed.

Yes. ITIN refinance programs are available for borrowers who file taxes with an Individual Taxpayer Identification Number. You need a valid ITIN, 2 years of tax filing history, and qualifying income documentation.

Minimum 660. ITIN borrowers may have non-traditional credit history (no FICO score). In these cases, we can use alternative credit references: 12 months of rent payment history, 12 months of utility payments, and other recurring bill payments.

Cash-out is available on some ITIN refinance programs, typically up to 70-75% LTV. The Texas 50(a)(6) homestead rules also apply for homestead properties.

Three options: (1) Full documentation — 2 years of IRS tax returns filed with ITIN, (2) 12-24 months of personal or business bank statements, (3) CPA-prepared P&L statement. We'll determine which method gives you the best qualification.

Yes. STX Lending provides complete Spanish-language support including loan officers, processors, and all documentation. We also assist with notarized translations of foreign documents.

Primary residences (1-2 units). Some programs allow 3-4 unit properties. The property must be your primary residence for most ITIN programs.