No Social Security required
A valid ITIN is the qualifying tax ID. Underwriting works directly off the ITIN-filed return.
ITIN mortgage loans in Texas.
Buy your home using an Individual Taxpayer Identification Number — no Social Security required. For Texas borrowers with strong work and tax history.
- ITIN qualified — no SSN required
- Strong work + tax history accepted
- Texas primary residence
A mortgage for borrowers who file taxes with an ITIN instead of an SSN.
An ITIN loan is a mortgage for borrowers who use an Individual Taxpayer Identification Number issued by the IRS instead of a Social Security Number. ITINs exist precisely so people without SSN eligibility can still file federal taxes — and millions of Texas residents do exactly that. ITIN mortgage programs let those same borrowers translate years of legitimate work history and tax filings into homeownership, even when conventional or government underwriting requires an SSN they will never have.
How an ITIN loan goes from inquiry to keys.
- 01
Verify ITIN and 2-year tax history
We confirm your active ITIN and pull two years of US tax filings (Form 1040 filed with the ITIN). Continuity matters more than total income — gaps need explanations.
- 02
Document employment and income
Pay stubs, employer letters, W-2s issued to the ITIN, and 1099s if self-employed. Two years in current role or industry is the standard target.
- 03
Larger down payment and reserves
ITIN programs typically run 15–25% down with 6–12 months of reserves. We model the cash-to-close before you commit so the closing table holds no surprises.
- 04
Standard appraisal and title
Same Texas appraisal and title workflow as any other purchase. Your ITIN does not change how the property is valued or insured.
- 05
Close
TRID closing disclosure three business days before close, signing at title, funds wire, keys.
Built for Texas families regardless of immigration status.
Texas has one of the largest ITIN-filing populations in the country, concentrated across DFW, Houston, San Antonio, and Austin. Most of those families have been working, paying taxes, and renting for years — building the exact financial profile that should qualify for a mortgage. The barrier is not the borrower; it is that conventional, FHA, VA, and USDA programs all require an SSN. ITIN loans exist to close that gap. Q Mortgage runs ITIN files routinely, with Spanish-speaking loan officers available for borrowers who prefer to walk through the process in Spanish.
An ITIN loan is the right tool when:
- You do not have a Social Security Number but you do have a valid ITIN
- You have 2 or more years of US tax filings (Form 1040 filed with your ITIN)
- You have stable employment in Texas
- You live in DFW, Houston, San Antonio, Austin, or anywhere else in Texas
- You are part of a mixed-status family where one borrower has an ITIN and another has an SSN
Why an ITIN loan opens the door for Texas borrowers conventional cannot serve.
2 years of tax + employment count
Your real work history qualifies you. W-2s, 1099s, employer letters, and IRS-stamped returns all carry weight.
Loan amounts up to $1M (lender-dependent)
ITIN programs are not capped at the FHA limits. Several investors run loan amounts to $1M for strong borrowers in higher-cost Texas markets.
Owner-occupied Texas primary residence
Designed for the home you live in — not investment property. The structure favors family buyers.
Mixed SSN + ITIN co-borrowers OK
Mixed-status families can combine incomes on a single file. We package the application so both borrowers get full credit for what they earn.
Spanish-speaking loan officers available
You can walk through the process — pre-approval, conditions, closing — entirely in Spanish if you prefer.
15–25%
Typical down payment
ITIN loan questions, answered.
What is an ITIN?
An Individual Taxpayer Identification Number is a tax-processing ID issued by the IRS to people who must file US taxes but are not eligible for a Social Security Number. ITINs let you file legally, build verifiable income history, and — through ITIN mortgage programs — qualify for a home loan.
Do I need to be a US citizen?
No. ITIN mortgages are specifically designed for borrowers who are not US citizens and do not have an SSN. What underwriting does require is a valid ITIN, two years of US tax filings, two years of US employment, and the ability to make a down payment in the 15–25% range.
How much down payment is required?
Most ITIN programs require 15–25% down. The exact requirement depends on FICO, loan amount, and the specific investor. Stronger files (higher FICO, larger reserves) can sometimes qualify at the lower end of that range.
Can my spouse with SSN co-sign?
Yes. Mixed-status families are common on ITIN files. Both borrowers’ income and credit can be combined on the same application — the file is still treated as ITIN-qualified, and the SSN spouse adds strength rather than complication.
What documents do I need?
Valid ITIN letter from the IRS, two years of filed tax returns (Form 1040 with ITIN), two years of W-2s or 1099s, recent pay stubs, two months of bank statements, valid government photo ID (passport, consular ID, or driver’s license), and proof of two years of US employment in Texas. Self-employed borrowers add a year-to-date P&L.
Are rates higher than conventional loans?
Yes — ITIN rates run higher than agency-backed conventional or FHA pricing because ITIN loans are held on lender balance sheets rather than sold to Fannie Mae or Freddie Mac. The premium is the cost of an underwriting model that does not require an SSN. We show live pricing across multiple ITIN investors so you see your actual options before committing.
¿Tienes ITIN? Calificas para comprar tu casa en Texas.
ITIN loan requirements at a glance.
- Valid ITIN issued by the IRS
- 2+ years of US tax filings (Form 1040 filed with ITIN)
- 2+ years of US employment in Texas
- 15–25% down payment
- 6–12 months of reserves (PITI) post-close
- 660+ FICO typical (some lenders accept 620 with compensating factors)
- Texas property
- Owner-occupied primary residence
ITIN vs FHA vs Conventional.
| SSN required | Down % | Documentation | Best for | |
|---|---|---|---|---|
| ITIN | No — ITIN qualifies | 15–25% | 2 years US tax returns + employment | Texas borrowers without SSN but with verifiable work history |
| FHA | Yes | 3.5% | Standard W-2 / 1040 + 4506-T | First-time buyers with SSN and lower down payment |
| Conventional | Yes | 3–20% | Standard W-2 / 1040 + 4506-T | Buyers with SSN and standard credit profile |
| Foreign National | No (passport-based) | 25–40% | International credit + asset verification | Non-US-resident foreign nationals buying in Texas |
Ready to move on a ITIN Loan?
Get a soft-pull pre-approval in minutes. No credit hit, no surprises.
ITIN Loan available across Texas, including:
Other ways we close
FHA Loans
For borrowers with a valid SSN — lower down payment but requires Social Security eligibility.
Learn moreBank Statement Loans
Self-employed alt-doc qualifying — useful for ITIN borrowers running businesses whose returns understate cash flow.
Learn moreForeign National Loans
Adjacent program for buyers who live outside the US and qualify on international credit and assets rather than ITIN tax history.
Learn more