An ITIN loan is a mortgage program for homebuyers who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.
These loans help non-U.S. citizens, immigrants, and foreign nationals buy homes in Texas using legal income and U.S. tax history as proof of financial stability.

You may be eligible if you:

Have a valid ITIN issued by the IRS

Have filed U.S. tax returns for at least 2 years

Can provide verifiable income and employment (W-2, 1099, or self-employed income)

Have a credit score of 600 or higher (some programs accept alternative credit)

Can make at least a 15%–20% down payment

These programs are available to primary-residence buyers throughout Texas.

Most ITIN lenders require:

Two years of tax returns with ITIN

Two years of W-2s or 1099s (or business bank statements if self-employed)

Recent pay stubs or profit/loss statement

Photo ID or passport

Proof of residency (such as utility bills or lease)

2 months of bank statements for down-payment verification

Most Texas lenders require a minimum credit score of 600–620, though some accept borrowers with limited or alternative credit (such as rental or utility payment history).

Typical down payment requirements are:

15%–20% for primary homes

25%–30% for second homes or investment properties
Borrowers with stronger credit or larger reserves may qualify with lower down payments.

Loan sizes typically range from $150,000 to $1 million+, depending on credit, income, and assets.
Because ITIN loans are Non-QM, there are no strict conforming limits, giving borrowers more flexibility.

Both fixed-rate and adjustable-rate options are available.
Fixed rates are most common for stability, while ARM products can lower monthly payments for short-term homeowners.

You can use an ITIN mortgage to purchase:

Single-family homes

Townhomes or condos

2–4 unit properties (if you live in one)
Some programs allow non-warrantable condos or manufactured homes, depending on the lender.

Most ITIN loans do not require PMI, even with less than 20% down.
However, interest rates may be slightly higher than conventional loans to offset the added lending risk.

Yes. Borrowers with ITIN loans can refinance to:

Lower their interest rate

Access home equity through a cash-out refinance

Shorten or extend their loan term

If you later obtain a Social Security number, you can refinance into a conventional loan for even better terms.

Yes, gift funds from family members are allowed in most ITIN programs, as long as you provide a gift letter and the source of funds is documented.

Rates are typically 0.75%–1.5% higher than standard conventional loans.
However, ITIN rates have become more competitive as more Texas lenders expand their Non-QM options.

Yes, ITIN loans are fully compliant, legal mortgage programs offered by licensed lenders.
Borrowers must document their income, assets, and residency just like any other loan.

Yes, but you’ll typically need:

A 25%–30% down payment

Strong reserves and verified income

A higher credit score (680+)

Homeownership access for borrowers without a Social Security number

No citizenship or permanent-residency requirement

Flexible documentation options

No PMI (private mortgage insurance)

Can refinance later into a traditional loan