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ITIN Loan Programs

What is an ITIN loan?

Foreign National/ITIN Loans. Individual tax identification number (ITINloans are for people who are not eligible for Social Security numbers. (ITINs are issued to both resident and nonresident aliens for tax-reporting purposes.) ITIN mortgage loans provide an opportunity at home ownership for undocumented immigrants. Neither citizenship or a social security number are required. To apply for an ITIN loanyou may do so using your ITIN number (individual tax identification number).


In-House Program (Purchase or Refi):

  • 10% down payment
  • limited to certain TX counties; Brazoria, Collin, Dallas, Denton, Fort Bend, Grayson, Harris, Hood, Johnson, McLennan, Montgomery, Rockwall, Tarrant, Travis and Williamson
  • 620 min or no score with sufficient non-traditional credit
  • 1-4 unit single family 
  • Primary Residence only
  • max seller credit 6%
  • 2 year history of employment
  • Unexpired ITIN verified via ITIN card or letter from IRS (atleast 1 borrower must have an unexpired ITIN), or valid SS card. Must have a valid DL, passport or Matricula ID

Broker Program:

  • Purchase, Refinance, Investment Properties
  • as low as 15% down owner occupied, 30% down non-owner occupied
  • 1 year tax returns, 1 year W2 or 1099, 1 year P & L (no bank statements required)
  • Passport, ITIN Card, Drivers License (no VISA required)
  • large unverified deposits and gifts allowed with 20% down
  • non-occupying co-borrower allowed if it is a parent or child relationship

**Additional Guidelines Apply. Ask For More Details.

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