A legitimate path to homeownership.
ITIN instead of SSN. There are lenders who specialize in this. I know them.
Overview
If you have an Individual Taxpayer Identification Number instead of a Social Security number, buying a home in Texas is absolutely possible. ITIN lending is a legitimate, established mortgage program with lenders who specialize in it.
The documentation requirements are different from standard lending. You'll need your ITIN, tax returns filed with your ITIN, proof of identity, and proof of residency. The specifics vary by lender.
I know the ITIN lending landscape in Texas. Which lenders close these files, what documentation they need, and how to structure your application for the best chance of approval.
Key Details
How I Handle This
I start with your documentation: ITIN, tax filing history, and financial picture. Then I match you with a lender who specializes in ITIN lending and has a track record of actually closing these files.
The goal is no wasted time. I make sure you have everything the lender needs before we submit so your application moves smoothly.
Questions I Get
Is ITIN lending legal?
Absolutely. ITIN lending is a legitimate and legal mortgage program. Lenders who specialize in it are fully licensed and regulated.
What documentation do I need?
Your ITIN, tax returns filed with your ITIN, proof of identity (passport, consular ID), and proof of residency. I'll give you the specific list for your lender.
Can I buy any type of property?
Most ITIN programs are available for primary residences. Some lenders also allow investment properties. I'll tell you what's available for your situation.
Have an ITIN and want to buy a home?
Send me your scenario. I'll connect you with lenders who specialize in ITIN lending and walk you through every step.