Question 1

Can I get a mortgage with an ITIN number in Texas?

Accepted Answer

Yes. Private Mortgage Group specializes in ITIN home loans in Texas. We offer up to 90% LTV with as little as 10% down — no Social Security Number required. We have helped ITIN holders purchase homes across DFW, Houston, San Antonio, and Austin.

Question 2

Do I need tax returns to get a mortgage?

Accepted Answer

No. PMG accepts 12–24 months of bank statements or a CPA-prepared Profit & Loss statement instead of tax returns. This makes our programs ideal for self-employed borrowers, business owners, and ITIN holders who may not file U.S. tax returns.

Question 3

What credit score do I need for an ITIN mortgage?

Accepted Answer

Minimum 620–660 depending on the program. If you have no U.S. credit score, we can use alternative credit sources such as auto loan history, utility payments, or credit reports from your home country.

Question 4

How long does ITIN mortgage approval take?

Accepted Answer

PMG approves and closes ITIN home loans in 21–28 business days once the file is complete. We provide clear milestone updates to you and your loan officer throughout the process.

Question 5

Does PMG charge mortgage insurance (PMI)?

Accepted Answer

No. Unlike FHA loans, PMG's programs do not require mortgage insurance (PMI). This means lower monthly payments and more money staying in your pocket.

Question 6

What is the minimum down payment for an ITIN home loan?

Accepted Answer

As low as 10% down on our Alt 90 program (90% LTV), available for primary residences up to $350,000. Other programs require 15–20% down depending on LTV, credit score, and loan amount.

Frequently Asked Questions

Eligibility & Location

Loan Amounts & Down Payment

Documents & Income

Process & Timeline

Property Requirements

Rates & Fees

After Closing

Still have questions?

ITIN Mortgage Texas Guide →

Borrower Overview →

Contact PMG →

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