Own a Home in Texas.
No SSN Required.
You pay taxes. You run a business. You deserve to own a home. We've helped fund over $250 million in loans for people just like you.
How Would You Like to Get Started?
Choose the path that makes sense for you — learn first, apply now, or join a free webinar.
Get the Free Guide
Everything you need to know before you apply
Apply Now
Ready to start your loan? Apply online today
Our secure application takes about 10 minutes. Have your ITIN letter, photo ID, and income documents nearby.
Join a Free Webinar
Learn exactly how to qualify — live and free
Join Carol and the PMG team for a free online class. We'll cover required documents, what lenders look for, and walk you through the Texas homebuying process step by step.
Free to attend. No obligation.
What You Need to Qualify
No Social Security number needed. Here's what we look for:
Valid ITIN Letter from the IRS
Your IRS-issued ITIN letter with matching name and date of birth. Must be current (not expired more than 3 years). If expiring soon, include a signed W-7.
Government Photo ID
Passport, driver's license, or matricula consular. No visa required for ITIN borrowers.
Proof of Self-Employment
ITIN holders must be small business owners. Common industries: construction, landscaping, house cleaning, food trucks, and restaurants.
Income Verification
12–24 months of bank statements OR a CPA-prepared Profit & Loss statement. We verify your income through your actual business activity.
Credit History
No U.S. credit score? We accept alternative credit: auto loans, cell phone bills, utility payments, and credit reports from your home country.
Down Payment
As low as 10% down for qualifying borrowers. Amount varies by credit profile and loan program. No prepayment penalties.
How to Prepare
Follow these steps and you could be in your new home in as little as 21 days.
Gather Documents
ITIN letter, photo ID, and 12–24 months of bank statements or a CPA-prepared P&L.
Check Your Credit
Pull your credit report. If you don't have traditional credit, gather proof of alternative credit (utilities, auto, phone).
Attend a Free Webinar
Join our free online class to learn exactly what to expect and ask Carol your questions live.
Apply with Us
Submit your application. We'll review everything and guide you through underwriting to closing.
Our Loan Programs
Flexible terms designed for real people with real businesses.
- 10% down payment
- Standard documentation
- 30-year fixed rate
- No prepayment penalty
- 15% down payment
- CPA-prepared P&L required
- 30-year fixed rate
- No prepayment penalty
- 20% down payment
- Top credit scores
- 30-year fixed rate
- No prepayment penalty
Rates are estimates. Final rate depends on credit profile and documentation.
Common Mistakes to Avoid
Don't let these trip you up. We see them every day.
Using an expired ITIN letter
✓ Make sure your IRS letter is less than 3 years old. If it's expiring, file a W-7 renewal.
Mixing personal and business bank accounts
✓ Keep separate accounts. We need to clearly verify your business income.
Not having enough transaction history
✓ We need 12–24 months of bank statements. Start building that history now.
Thinking you need a Social Security number
✓ You don't. An ITIN is all you need to buy a home in Texas through our program.
Waiting for 'perfect' credit
✓ We accept alternative credit. Auto loans, utility bills, and phone payments all count.
Deep Dive
Everything You Need to Know About ITIN Mortgages in Texas
Requirements checklist, down payment options, flexible documentation details, FAQs, and more — all in one place.
View the ITIN Mortgage Texas Guide →Ready to Buy Your Home?
Apply today, join a free webinar, or request our guide. No SSN needed. No prepayment penalty. You deserve to own a home.