ITIN Mortgage Loans
in Texas
Private Mortgage Group helps ITIN holders buy a home in Texas — with flexible documentation, as little as 10% down, and a team that has funded over $150 million in ITIN loans for borrowers just like you.
A Home Loan Built for ITIN Holders in Texas
Traditional banks require a Social Security number, W-2 income, and years of U.S. credit history. Most ITIN holders don't have any of those — but that doesn't mean homeownership is out of reach.
Private Mortgage Group was built specifically for ITIN borrowers and foreign nationals. We use your bank statements or CPA-prepared income to verify what you actually earn, and we've been closing these loans in Texas for over 20 years.
Whether you're in Houston, Dallas, San Antonio, or Austin — if you live and work in Texas, we can help you own here.
Construction workers
Landscaping business owners
Restaurant & food service
House cleaning professionals
Trucking & transportation
Self-employed of all kinds
Buy a Home With as Little as 10% Down
PMG offers a 90% LTV program — meaning you can purchase a Texas home with just 10% down. No mortgage insurance required. The property is always in your name.
- Smallest upfront investment
- No mortgage insurance
- 30-year fixed rate
- No prepayment penalty
- CPA-prepared P&L accepted
- Wider income documentation
- 30-year fixed rate
- No prepayment penalty
- Lowest available interest rate
- Top credit profile
- 30-year fixed rate
- No prepayment penalty
Rates are estimates. Final rate depends on credit profile and documentation. Contact PMG for current program pricing.
Often No Tax Returns Required
Traditional lenders require W-2s and two years of tax returns to verify income. Most ITIN borrowers are self-employed, and those documents either don't reflect real income — or don't exist.
PMG uses alternative income documentation designed for how ITIN borrowers actually run their businesses. In many cases, you can qualify using bank statements alone.
Bank Statement Loans
12–24 months of personal or business bank statements used to verify your income — your actual deposits, not a W-2 or filed tax return.
CPA-Prepared Profit & Loss
A current P&L statement prepared by a licensed, independent CPA can verify your business income for certain loan programs.
Alternative Credit Accepted
No U.S. credit score? We accept auto loans, utility bills, phone payments, rent history, and credit reports from your home country.
ITIN Loan Requirements in Texas
Gather these before you apply to move through the process as quickly as possible. Most borrowers are surprised by how straightforward this is.
IRS-Issued ITIN Letter
RequiredYour ITIN letter must be issued by the IRS, show your name and date of birth, and be less than 3 years old. If your ITIN is expiring, complete a W-7 renewal — you do not need to wait for IRS confirmation to close your loan.
Valid Government-Issued Photo ID
RequiredAcceptable IDs include a passport, driver's license, or matricula consular. No U.S. visa is required for ITIN borrowers.
2+ Years in Your Current Field
RequiredPMG requires at least 2 years of experience in your current line of work or business. Self-employed borrowers must document business ownership, which can include a business license, DBA filing, or other business records.
Income Documentation
RequiredOption A: 12–24 months of bank statements (no more than 6 NSF transactions in the last 12 months). Option B: A CPA-prepared Profit & Loss statement from a licensed, independent CPA. Both are accepted — PMG will recommend the best option for your situation.
Funds to Close — Sourced and Verified
RequiredYour down payment and closing cost funds must be held in a bank account and must not be borrowed. PMG will verify the source of these funds as part of the underwriting process.
Credit History — Traditional or Alternative
RequiredA traditional U.S. credit score is preferred but not required. PMG accepts alternative credit sources: auto loan payment records, utility bills, cell phone payment history, rent verification letters, or a credit report from your home country.
Texas Property — C3 Condition or Better
Property requirementThe home must be located in Texas and meet appraisal standards (C3 condition or better). Condotels, manufactured homes, rural properties, and commercial-use properties are generally not eligible. An independent AMC appraisal is required.
How the ITIN Mortgage Process Works in Texas
From your first conversation to the keys in your hand — most PMG borrowers close in 21–28 days.
Apply Online
Complete the secure online application in about 10 minutes. No SSN needed.
Document Checklist
We send a personalized list of documents needed based on your situation.
Underwriting
Our team reviews your income, credit, ITIN, and property documents.
Appraisal
An independent licensed appraiser evaluates the property value.
Closing
Sign your documents, fund the loan, and receive the keys to your home.
ITIN Mortgage Loans Across Texas
Texas is home to more than 5.8 million foreign-born residents. PMG originates ITIN home loans statewide — with the highest concentration of borrowers in these four markets.
Houston
Houston has the highest volume of ITIN home loan activity in Texas. The metro's large immigrant workforce — spanning construction, energy, food service, and healthcare support — makes it PMG's most active market.
Dallas – Fort Worth
DFW is the second-largest ITIN lending market in Texas and PMG's core operating area. Based in Prosper, TX, the PMG team is local to DFW and well-connected to real estate professionals across the metroplex.
San Antonio
San Antonio's large Hispanic population includes a significant share of ITIN holders pursuing homeownership. PMG regularly closes loans across the San Antonio metro for self-employed borrowers in every industry.
Austin
Austin's rapid growth has created strong demand for ITIN mortgage options from workers in construction, landscaping, and service industries supporting the city's expansion. PMG serves the Austin metro and surrounding communities.
PMG originates ITIN home loans in all Texas counties. Contact us to confirm eligibility for your specific location.
The ITIN Mortgage Specialist in Texas
Two decades of proven results funding ITIN home loans across Texas.
Founded by Carol Ussery, NMLS# 2524161, with 34+ years in Texas real estate.
ITIN borrowers show a remarkably low default rate — well below FHA loan averages.
ITIN Mortgage Questions — Answered
Plain answers to the questions we hear every day from Texas ITIN borrowers.
Can I buy a house in Texas with an ITIN?
Yes. You do not need a Social Security number to buy a home in Texas. Private Mortgage Group specializes in ITIN home loans and has helped ITIN holders purchase homes across Texas for over 20 years. Your IRS-issued ITIN letter is the primary document required to get started.
How much down payment do I need for an ITIN mortgage in Texas?
As low as 10% down for qualifying borrowers. PMG's 90% LTV program allows you to purchase a Texas home with just 10% down, with no mortgage insurance required. Depending on your credit profile and documentation, 85% LTV (15% down) or 80% LTV (20% down) may also be available with lower rates.
Do I need tax returns to get an ITIN mortgage?
In many cases, no. PMG uses alternative income documentation — typically 12–24 months of bank statements or a CPA-prepared Profit & Loss statement. Tax returns are often not required. The specific documentation depends on your loan program and lender.
What are the ITIN loan requirements at Private Mortgage Group?
The core requirements are: a valid IRS-issued ITIN letter (less than 3 years old), a government-issued photo ID, income documentation (bank statements or CPA-prepared P&L), at least 2 years in your current field, and verified funds for your down payment and closing costs that are not borrowed.
How long does the ITIN mortgage process take in Texas?
Most PMG loans close in 21–28 days once all documents are submitted. Having your documents ready before you apply is the fastest path through underwriting, appraisal, and closing.
Can self-employed borrowers qualify for an ITIN mortgage?
Yes — and most PMG borrowers are self-employed. PMG was built for business owners in industries like construction, landscaping, food service, and house cleaning. Income is verified through bank statements or a CPA-prepared P&L, not a W-2.
Does PMG offer ITIN mortgages in Houston, Dallas, and San Antonio?
Yes. Private Mortgage Group originates ITIN home loans throughout Texas, including Houston, Dallas-Fort Worth, San Antonio, and Austin — the four metro areas with the highest concentration of ITIN borrowers in the state.
What is the maximum loan amount for an ITIN mortgage?
PMG offers ITIN home loans from $100,000 to $480,000. All loans are 30-year fixed rate with no prepayment penalty. The average loan PMG funds is approximately $266,000.
Can I use alternative credit to qualify if I don't have a U.S. credit score?
Yes. PMG accepts alternative credit sources including auto loan payment history, utility bills, cell phone payments, rent verification, and credit reports from your home country. You do not need a traditional U.S. credit score to qualify.
Still have questions?
Ready to take the next step?
Ready to Buy Your Home in Texas?
Private Mortgage Group has been closing ITIN home loans in Texas for over 20 years. Apply online, join a free webinar, or call us today — no Social Security number needed.
Texas only • No SSN required • 30-year fixed • No prepayment penalty • NMLS# 2524161