ITIN loans in Texas.
No SSN required.
An ITIN mortgage may let you buy a home without a Social Security Number, subject to the lender's eligibility and documentation requirements. We compare available wholesale ITIN programs in Texas and explain the rate, fees, and funds needed for your file.
Who qualifies
An ITIN is issued by the IRS for federal tax purposes to people who need a taxpayer identification number but are not eligible for a Social Security Number. Mortgage eligibility depends on the lender. We check:
- ITIN, identity, and residency documentation required by the lender
- Income and work history under the accepted documentation method
- Down payment and closing funds required for your file
- Credit history, including alternative credit where the program accepts it
- Reserves required by the lender
- Property type and intended occupancy accepted by the program
What it costs
ITIN rates and fees vary by lender, credit, down payment, and documentation. They may be higher than Conventional terms. Compare quotes on the same day with the same loan amount, lock period, points, and fees rather than assuming a fixed rate premium.
We compare available ITIN wholesale programs for your file. A rate alone does not identify the type of lender or establish whether an offer is competitive.
Texas program access
ITIN program availability depends on the lender, property, and borrower. We compare available programs for your file.
Check current TSAHC, TDHCA, and lender eligibility before assuming down payment assistance can pair with an ITIN loan. Savings and eligible documented gifts may fund the down payment. Seller credits can cover permitted closing costs, subject to program limits; they cannot replace your required down payment.
How we run the file
We review credit, income, and assets during pre-qualification. Start with the short form, and we will follow up for the documents needed to review your ITIN options. Timing depends on complete documentation, the property, and lender review.
Want the deep dive? Read the full ITIN mortgage guide.
FAQ
Common questions.
Can I really get a mortgage without a Social Security Number?
An ITIN mortgage may let you buy a home without an SSN. The lender still reviews identity, income, credit, assets, property, and its other eligibility requirements.
What down payment do ITIN loans require?
The required down payment depends on the lender and your file. Eligible gifts may help where the program allows them. Seller credits apply only to permitted closing costs within program limits.
Are ITIN rates much higher?
They may be higher than Conventional rates, but there is no fixed premium. We compare current rates, points, and fees for the same loan scenario.
What if I don't have a U.S. credit score?
Alternative credit, such as documented rent or utility payments, may be accepted by some programs. We check the available options and required history rather than assuming a score is unnecessary.
Can ITIN borrowers use Texas down payment assistance?
We need to check the current assistance program and lender requirements. ITIN buyers commonly use savings or eligible documented family gifts for the down payment. Seller credits can cover permitted closing costs, not the down payment.
See what you qualify for.
Three minutes, no credit pull, no commitment. We respond the same business day — in English or Korean.