Long-term ITIN filers
Two or more years of filed returns and stable documented income, ready to convert rent into equity.
Non-QM · ITIN borrowers
ITIN mortgage loans across Texas.
Homeownership financing for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
How it works.
An ITIN mortgage lets a borrower who files U.S. taxes under an Individual Taxpayer Identification Number finance a home without a Social Security number. These are portfolio and non-QM programs rather than agency or government loans, so guidelines are set by the individual lender.
Texas has one of the largest ITIN-filing populations in the country, concentrated in Houston, Dallas–Fort Worth, San Antonio, Austin and the Rio Grande Valley. Many of those households have years of documented income, long rental payment histories and substantial savings — and get turned away simply because the first lender they called does not offer the product.
Documentation typically leans on tax filings, employment or self-employment income, and alternative credit where a traditional score is thin: rent, utilities, phone, insurance and remittance history. Down payment expectations run higher than agency loans, commonly starting around 15%–25%.
Who it fits
Where this program does the most work.
Self-employed ITIN borrowers
Trade, landscaping, cleaning, restaurant and transport business owners with deposits or 1099 records to document.
Thin-credit households
Little or no traditional score, but a verifiable record of rent, utilities and insurance paid on time.
Mixed-status families
Households where co-borrowers hold different documentation types and need one coordinated strategy.
Guideline snapshot
What ITIN files typically look like.
- Identification
- Valid ITIN plus government-issued photo identification, typically with recent tax filings
- Down payment
- Commonly 15%–25% minimum depending on program, occupancy and credit profile
- Credit
- Traditional score where available; many programs accept alternative credit references instead
- Income documentation
- W-2 and paystubs, or bank statement / 1099 / P&L methods for self-employed borrowers
- Reserves
- Often 2–6 months of payments
- Occupancy
- Primary residence most common; second home and investment availability varies
- Rates and terms
- Priced above agency loans; fixed and adjustable structures vary by lender
General ranges shown for orientation only. Guidelines, calculation methods, documentation, property eligibility, reserves, rates and terms vary by lender and program and are subject to change. This is not a pre-qualification, approval or commitment to lend.
ITIN Mortgage Loans Texas FAQ
Questions borrowers ask.
Can I buy a house in Texas with an ITIN?
Yes — ITIN mortgage programs exist for borrowers without a Social Security number. They are portfolio or non-QM products, so availability, down payment, credit and documentation requirements vary by lender and program.
How much down payment do I need?
Commonly 15%–25%, depending on the program, occupancy, credit profile and property type. Some programs require more.
What if I have no credit score?
Many ITIN programs accept alternative credit — 12 months of rent, utilities, phone, insurance or similar payment history. The number of references and required history varies by lender and program.
Do I need tax returns?
Most programs expect recent filed returns under the ITIN, often two years. Self-employed borrowers may add bank statement, 1099 or P&L documentation depending on the program.
Are ITIN loan rates higher?
Generally yes, because these are portfolio products outside agency and government guidelines. The difference depends on credit, down payment, occupancy and market conditions at the time of lock.
Se habla español?
Yes — the entire process can be handled in Spanish, and our Spanish-language overview page covers the same material.
Not sure which documentation path fits? That is the conversation.
Financing Provided Through
Clear Rate MortgageLicensed Mortgage Lender · NMLS #2470446
Mike Keys · NMLS #2795829 · Company NMLS #2470446
A boutique client experience, backed by a national lending platform.
- · Licensed across Texas
- · Broad portfolio of loan solutions
- · Experienced lending & operations team
- · Professional service from application through closing