LOAN PROGRAM · TEXAS
ITIN loans in Texas.
No SSN required.
If you live and work in the U.S. without a Social Security Number, you can still buy a home. ITIN mortgages are a real, regulated, full-recourse mortgage product — not a workaround, and not private lending at predatory rates. Multiple wholesale lenders run dedicated ITIN programs in Texas, and we shop across them for the best terms on your file.
Who qualifies
An ITIN — Individual Taxpayer Identification Number — is issued by the IRS to people who file U.S. taxes but aren't eligible for a Social Security Number. If you've filed U.S. taxes for two or more years on an ITIN, you're a candidate. The standard profile:
- 2+ years of U.S. tax filings on the ITIN
- 2+ years of U.S. work history — W-2, 1099, or self-employed
- 10–25% down payment (most programs require 15–20%; 20% gets significantly better terms)
- A U.S. credit score of 660+, or alternative credit (rent and utility history) for thin files
- 6+ months of reserves
- Primary residence for most programs; some allow a second home
What it costs
ITIN rates run roughly 1–2% above Conventional. The premium reflects a smaller secondary market (most ITIN loans are portfolio-held rather than sold to Fannie or Freddie), extra underwriting effort, and risk pricing for non-traditional documentation — not a penalty.
If you're being quoted 11–12%, you're talking to a private or hard-money lender, not a wholesale ITIN lender. We quote against actual ITIN-active wholesale rate sheets.
Texas program access
Texas has the second-largest ITIN borrower population in the country, and ITIN-friendly wholesale lenders actively operate across Houston, Dallas, Austin, San Antonio, and the border markets.
One caveat we flag early: state-level Texas down payment assistance (TSAHC, TDHCA) generally does not pair with ITIN — those programs require SSN-eligible borrowers. Down payment funds usually come from savings, documented family gifts, or seller concessions, and we help structure all three.
How we run the file
The pre-qualification and disclosure process is bilingual (English and Korean), and every letter is backed by real underwriting — credit, income, and assets reviewed before it leaves our desk. Submit the short form with your ITIN documentation, get an initial letter with a rate range and qualifying amount within days, and plan on a 30–45 day close — slightly longer than Conventional because of the added document 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?
- Yes. ITIN mortgages are a regulated product offered by multiple wholesale lenders in Texas. You qualify with your ITIN, U.S. tax filings, and work history in place of an SSN.
- What down payment do ITIN loans require?
- Programs start at 10–15% down, and most require 15–20%. Putting 20% down gets significantly better terms. Family gift funds and seller concessions are allowed with standard documentation.
- Are ITIN rates much higher?
- They run roughly 1–2% above Conventional — not the double-digit rates private lenders quote. The premium reflects a smaller secondary market, not a penalty.
- What if I don't have a U.S. credit score?
- Many ITIN programs accept alternative credit — 12 months of rent history plus utility payment history — for borrowers thin on traditional credit. A 2-year U.S. credit history on the ITIN often exists even when borrowers assume it doesn't.
- Can ITIN borrowers use Texas down payment assistance?
- Generally no — TSAHC and TDHCA programs require SSN-eligible borrowers. ITIN buyers typically fund the down payment through savings, documented family gifts, or seller concessions.
See what you qualify for.
Three minutes, no credit pull, no commitment. We respond the same business day — in English or Korean.