Homeownership With an ITIN

If you work, pay taxes with an Individual Taxpayer Identification Number (ITIN), and are ready to stop renting, an ITIN mortgage may be the path to your own home. As a mortgage broker, Haven Prime Mortgage compares ITIN programs from multiple wholesale lenders to look for the right fit for you. Program availability, down payment and terms vary by lender and by your qualifications.

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Steps to Buying With an ITIN

  1. Talk to us. A free, no-pressure call to understand your goals, income and timeline.
  2. Gather your documents. ITIN letter, photo ID, proof of income, tax returns and bank statements. We'll give you a personal checklist.
  3. Get pre-qualified. We review your information and show you which ITIN programs fit and what price range makes sense.
  4. Find your home and close. Shop with your real estate agent, then we coordinate with everyone through closing day.

Common Questions

Can I get a mortgage in Texas without a Social Security number?

Yes. ITIN mortgage programs let borrowers who file taxes with an Individual Taxpayer Identification Number apply for a home loan. Eligibility and terms depend on the program and the lender.

What do I usually need for an ITIN loan?

Most programs ask for your ITIN letter, a valid photo ID such as a passport, proof of income, recent tax returns filed with your ITIN, and bank statements. We'll give you an exact checklist for your situation.

Can I buy a home in Dallas–Fort Worth with an ITIN?

Yes. We help ITIN borrowers across Dallas–Fort Worth and all of Texas, including Dallas, Plano, Frisco, McKinney, Garland, Irving and Fort Worth.

Do you speak Spanish?

Yes. Franco Cordova is fully bilingual and can guide you in Spanish from your first call through closing.

Ready to Own Your Home?

Get a free review of your ITIN loan options from a licensed Texas mortgage broker. English or Spanish.