ITIN HOME LOANS IN TEXAS.
NO SSN REQUIRED.
You've built a life here. Let's get you the keys.
No SSN doesn't mean no path to homeownership. I place real, fixed-rate ITIN mortgages — not the predatory 12% "alternatives" some shops push. Down payments start as low as 3.5%. You've built a life here. Let's get you the keys to go with it.
REAL FIXED RATES. Not predatory.
A lot of shops out there will quote an ITIN buyer 9, 10, even 12% on a 5-year ARM and call it "the only option." It is not the only option. There are real lenders running ITIN portfolios with fixed 30-year terms priced 1-2% above conventional — much closer to what an SSN buyer pays, not double.
You need someone who actually places ITIN files every month and knows which lenders carry the good programs. That's me.
Alternative credit counts. If you don't have a FICO score, two years of rent receipts, a utility bill, phone bill, and insurance — paid on time — typically establish credit for ITIN underwriting. Bring me the paper trail; we'll build the file.
ITIN, ANSWERED.
Yes. ITIN home loans are real, conventional-style fixed-rate mortgages — not predatory alternatives. Down payments start as low as 3.5% with the right lender.
Most ITIN lenders accept alternative credit — rent, utilities, phone, insurance — instead of a traditional FICO. If you do have a FICO, 620+ unlocks better pricing.
ITIN programs don't require an SSN. Lenders verify identity with your ITIN, passport, and proof of U.S. residency (typically 2 years filing taxes with the ITIN).
ITIN letter from the IRS, valid passport (or matricula), 2 years of tax returns filed with the ITIN, proof of address, employment verification, and bank statements.
ITIN rates typically run 1-2% above conventional. Far better than the 8-12% rates some non-bank shops push on undocumented buyers. The play: get in now, refinance when guidelines improve.
Some lenders allow it; most are owner-occupied only. I'll match you to a lender whose ITIN program fits your purpose.
Let's talk.
Fifteen minutes.
Bring me your file - even if three other brokers said no. We'll run the numbers, structure it right, and figure out the path. No pressure, no script.
Book a 15-min call
I'll review your situation and tell you straight what's possible. Same-day slots usually open.
Pick a timeApply online
Full secure application in ~12 minutes and document submission, if turned in before 12pm. I'll have a pre-approval letter in your inbox tomorrow morning.
Start applicationJon Taw · Mortgage Broker & Advisor
NMLS #2607503 · Last updated May 2026