Texas ITIN Loans

There are various types of mortgage loans in Texas, but ITIN loans in Texas are a popular option for individuals who do not qualify for traditional mortgage loans. ITIN, which stands for Individual Taxpayer Identification Number, refers to a specific type of loan that lenders provide borrowers with an ITIN instead of a Social Security Number.

An ITIN is typically used by the Internal Revenue Service (IRS) to keep track of individuals who may not qualify for an SSN. A few examples of individuals who qualify for an ITIN home loan in Texas include foreign nationals doing business in the United States or non-resident individuals who live overseas. If this sounds like your situation, an ITIN home loan in Texas might be the right choice for you.

ITIN loans in Texas are an ideal option if you:

• Don’t have a SSN or green card
• Are self-employed and earn income from abroad
• Want to establish and build a credit history in the U.S.
• Need flexible documentation requirements to qualify for a mortgage

Some of these benefits of getting an ITIN mortgage loan in Texas include:

• Flexible eligibility requirements: Even if you are not a resident of the United States, you can still qualify for a home loan with an ITIN loan due to its flexible eligibility requirements.
• No Social Security number required: If you apply for a traditional home loan in Texas, you need an SSN. Fortunately, you don’t need an SSN to qualify for a home loan with ITIN loans. 
• Flexible credit history: While a strong credit report is always beneficial, you may still be able to qualify for ITIN loans if you have a track record of on-time rent payments, utility bills, or other types of recurring expenses. 
• Helps build credit: If you have been turned down for a traditional home loan because you do not have a long credit history, an ITIN loan could help you lengthen your credit history and qualify for other types of loans in the future.

Even though there are some notable benefits of ITIN loans, you might run into a few drawbacks. For example, you may end up with a slightly higher interest rate or be required to put more money down to qualify for a loan. Not all lenders offer ITIN loans, so you may have to look harder before finding a lender.

If you want to get a home mortgage, there are several requirements you need to meet. A few common requirements include:

• Down payment: To take out an ITIN home loan in Texas, you need to put down money. Generally, you will need to put between 10 and 20 percent down, but the exact amount will vary depending on your credit history.
• Tax returns: You will need to present at least two years of stable tax returns to show that you are in a strong financial position to take out an ITIN loan.
• Employment history: You will also need to provide proof of gainful employment and a stable income to qualify for an ITIN home loan in Texas. This also includes self-employment.
• Credit history: While you do not necessarily need a minimum credit score to qualify for an ITIN loan, higher credit will help you qualify. A lender will look at your credit history to assess your creditworthiness. 
• ITIN: To qualify for an ITIN home loan, you must have a valid ITIN issued by the IRS.

Once your lender has all of the necessary documentation, they can begin the mortgage underwriting process. Your lender will notify you if there are any issues with your documentation or if additional information is needed.

If you have questions about whether or not you qualify for an ITIN mortgage loan in Texas, Griffin Funding is here to help. At Griffin Funding, we understand that not everyone is in a position to qualify for a traditional home loan, which is why we offer other options, such as ITIN loans and foreign national mortgages in Texas.

With flexible eligibility requirements and various loans available, we want to make your homeownership dreams come true, no matter your financial situation. If you’re interested in learning more about ITIN home loans in San Antonio, Fort Worth, Plano, or other cities within the state of Texas, give us a call today. We can schedule a consultation, walk you through your options, and help you get the process started.

Take the first step and get started online with a foreign national loan in Texas!

What types of properties are eligible for Texas ITIN loans?

You can use an ITIN loan in Texas to purchase a variety of property types, including:

• Single-family homes
• Condos
• Townhomes
• Multi-unit properties (typically up to 4 units)
• Vacation homes
• Investment properties

Who are Texas ITIN loans ideal for?

ITIN loans help individuals without an SSN qualify for home loans. Texas ITIN loans are typically ideal for the following individuals:

• Foreign investors
• Self-employed individuals
• Non-resident foreigners
• Borrowers with different income sources

Not sure whether an ITIN loan is right for you? Contact Griffin Funding for more details on ITIN loans in Dallas, Houston, or whatever city you hope to purchase real estate in. 

How can I apply for an ITIN mortgage loan in Texas?

If you’re ready to apply for an ITIN mortgage loan in Texas, it’s important to understand the process and ensure you meet the necessary requirements. Follow these key steps to get started:

1. Verify your eligibility: Confirm that you have a valid ITIN and meet income, credit, and documentation requirements.
2. Gather required documents: This includes your ITIN, tax returns, bank statements, and proof of income.
3. Choose a lender that offers ITIN loans: Work with experienced lenders like Griffin Funding who specialize in ITIN home loans.
4. Get pre-approved: A pre-approval helps determine how much you can afford and strengthens your offer when buying a home.
5. Find a property: Search for a qualifying home based on your loan approval and budget.
6. Submit your loan application: Complete the application with the help of your lender and submit all required documentation.
7. Close on your home: Once approved, you’ll sign the final documents and officially become a homeowner.

What credit score do you need to get an ITIN loan in Texas?

To qualify for a mortgage loan with ITIN number in Texas, most lenders look for a credit score of at least 600–620. However, specific requirements may vary depending on the lender, your income, and overall financial profile.

Can a foreign national buy a house in Texas?

Yes, you can buy a house in Texas as a foreign national. You don’t need to be a U.S. citizen or permanent resident to purchase a home in Texas with an ITIN loan.

However, a new law called SB 17 (effective September 1, 2025) has introduced some restrictions on property purchases by foreign nationals from certain countries, including China, Russia, Iran, and North Korea.

If you’re from one of these countries but lawfully live in the U.S., you can still buy a home in Texas to serve as your primary residence. Most Texas ITIN loan applicants are not impacted by this new law.

Do I need a Social Security number to buy a house in Texas?

No, you don’t need a Social Security number to buy a house in Texas. While a Social Security number is needed to get a conventional mortgage in Texas, you can pursue alternative mortgage options if you don’t have a valid SSN. In this case, an ITIN loan in Texas — which allows borrowers to use their Individual Taxpayer Identification Number (ITIN) to qualify rather than an SSN — can be a great solution.

Why work with Griffin Funding?

Griffin Funding has extensive experience offering ITIN home loans and foreign national mortgages in Texas and works closely with borrowers to find the right loan for their situation. With personalized support and flexible lending options, we make the path to homeownership more accessible for ITIN holders.