Stop Turning Away Deals.
Start Earning on Every ITIN File.
Private Mortgage Group is Texas's most experienced ITIN and foreign national mortgage lender. We handle the complexity — you earn up to 2.5% on every loan that closes.
- Earn up to 2.5% origination — borrower-paid, or choose 1.5% lender-paid so your client gets a no-cost option
- Stop losing ITIN clients — up to 90% LTV, $100K–$450K, no mortgage insurance, no prepayment penalty
- We do the heavy lifting — our underwriting team handles every file; your job is to submit, not process
- Fast, reliable turnarounds — approvals in 21–28 business days on programs your clients won't find at a bank
Why Loan Officers Choose PMG
Most lenders won't touch ITIN borrowers. We've spent 20+ years building the only program designed specifically for them.
90% LTV — Industry Leading
Offer your ITIN clients just 10% down. No other private lender comes close. It's the competitive edge that wins the deal.
No Bank Overlays
We underwrite to our own guidelines — no extra restrictions from a parent bank. What you see in our matrix is what you get.
21–28 Day Close
Fast, predictable closings. Our experienced team has closed over $250M in loans and knows exactly what it takes to move quickly.
Underwriting Support
Our 22+ year underwriting expert reviews every file. You get clear conditions, quick turnaround, and a team that answers your calls.
Untapped Market
Texas has 5.8M foreign-born residents. Most have never been approached by a mortgage professional. You could be the first.
Repeat Business
75% of our volume comes from repeat and referral. ITIN borrowers are loyal, motivated, and tax-compliant — they close and stay closed.
How It Works
From first contact to funded loan — here's the path.
Submit Broker Package
Send your completed broker package, NMLS license, and Texas state license for verification.
Get Credentialed
We verify your license, issue your credentials, and provide training via Teams and detailed step-by-step guides.
Submit Your Loan
Upload the borrower file to our Calyx Path LOS system. Our underwriter reviews within 4–5 days.
Close in 21–28 Days
Conditions cleared, appraisal ordered, closing package sent. Borrower gets the keys. You get paid.
Loan Programs
Three LTV tiers. All with 30-year fixed rates, no prepayment penalties, and loans from $100K–$480K.
| Program | Rate Range | Down Payment | Income Doc | Best For |
|---|---|---|---|---|
| Top Program90% LTV | Rates Starting in the 9's | 10% | Bank statements | Standard ITIN borrowers |
| 85% LTV | Contact for rate | 15% | CPA-prepared P&L required | Borrowers with P&L |
| 80% LTV | High 7% range | 20% | Bank statements or P&L | Top credit / best rate |
All programs: 30-year fixed rate · No prepayment penalty · Loan amounts $100K–$480K · Texas only
Fee Structure
All fees are borrower-paid. Here's the full breakdown so you can price your deals accurately.
Set by you, the loan officer. This is your compensation — paid by the borrower at closing.
PMG's funding fee, charged to the borrower. This covers our capital cost for funding the loan.
Flat underwriting fee paid by the borrower at closing. Covers our 22+ year underwriter's full review.
✓ Borrower-paid or lender-paid comp available · ✓ You choose what works for your client · ✓ Fully CFPB compliant
What You Need to Get Started
Getting approved to submit ITIN loans through PMG is straightforward.
Completed Broker Package
Download our fillable 21-page broker package below, complete and sign all sections, then email to [email protected].
Download Fillable Package →Active NMLS License
Your individual NMLS license number will be verified before credentialing is issued.
Texas State License
You must be licensed to originate mortgage loans in the state of Texas to submit loans through PMG.
Partner Portals & Resources
Everything you need to submit and price ITIN loans — all in one place.
Calyx Path Portal
Submit and manage loan files. Import borrower data, pull credit, upload documents, and track loan status.
Log In to Calyx Path →Pricing Engine
Price ITIN loans instantly. Run scenarios across our 90%, 85%, and 80% LTV programs to find the best rate for your borrower.
Open Pricing Engine →How-To Guides
Step-by-step guides for every workflow — importing loans, adding NPS, picking pricing, uploading docs, requesting disclosures, and locking rates.
View All 6 Guides →Broker Package
Download the fillable 21-page broker package. Complete, sign, and email to [email protected] to get credentialed.
Download Fillable PDF →Program Matrix
Full program matrix — all four LTV tiers, FICO/DTI requirements, eligible property types, documentation, and funding structure.
Download Matrix PDF →Ready to Partner with PMG?
Join 550+ Texas loan officers already closing ITIN loans with the nation's #1 private ITIN lender. Email us to get started or call Carol directly.