Refinance your Texas mortgage using your ITIN. Full doc, bank statement, or P&L options. Bilingual service from start to close. Se habla español.
Homeownership doesn't require an SSN — and neither does refinancing.
Your Individual Taxpayer Identification Number (ITIN) is your primary identifier. We do not require an SSN — your ITIN and valid tax filing history qualify you.
If you have an existing ITIN mortgage with a higher rate, refinancing can reduce your payment significantly. Rates have improved for ITIN programs as the market has matured.
Full documentation (tax returns), bank statements (12-24 months), or P&L statement. We match the income documentation method that maximizes your qualification.
STX Lending provides complete Spanish-language service from application through closing. Toda la documentación y comunicación disponible en español.
We verify your ITIN is active and you have 2+ years of tax filing history. Alternative credit can be established if needed.
Full doc, bank statement, or P&L — we select the income documentation method that maximizes your qualification.
Home appraisal and underwriting review. We work with underwriters experienced in ITIN documentation.
Sign your new loan documents. Your lower rate takes effect immediately. All closing docs available in Spanish.
Run the numbers before you commit. These tools answer the questions every refi shopper asks.
Find out when your refinance pays for itself and whether the closing costs are worth it.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Preguntas frecuentes sobre refinanciamiento ITIN.
No SSN • Bilingual service • Full doc or bank statement.
Start my ITIN refi