ITIN & Foreign National Buyers
Buy a Home in the U.S. Without a Social Security Number
You do not need a Social Security number or U.S. credit to own a home here. With an ITIN or a foreign national program, I help buyers and investors qualify using the income and assets they already have. Todo en español si lo prefieres.
Oscar Acosta, Strategic Lending Advisor. NMLS #1876248. Bilingual, English and Español.
Can you buy a house in Texas with an ITIN instead of a Social Security number?
Yes. ITIN home loans let buyers who file taxes with an Individual Taxpayer Identification Number purchase a home, usually with 15% to 25% down. Lenders use alternative credit, tax returns, and bank statements instead of a traditional U.S. credit score.
How it works
Three steps, no guesswork.
Planning Call
We start with a short call, in English or Spanish, to review your documents, your income, and your goals. No pressure, just a clear read on where you stand.
Strategy and Execution
I match you to the right ITIN or foreign national program and handle the lender side so the paperwork does not stall your purchase.
Close with Confidence
You get a clear path to ownership and a team that keeps you informed in the language you are most comfortable in.
ITIN and foreign national questions, answered
Ownership is possible without an SSN. Here is how.
What is an ITIN mortgage?
A home loan for buyers who have an Individual Taxpayer Identification Number instead of a Social Security number. It uses your tax returns, bank statements, and alternative credit like rent and utility payments to qualify you, so a missing SSN is not a dealbreaker.
How much down payment do I need?
Typically 15% to 25%, depending on the program and your profile. A larger down payment and documented savings can improve your terms. We match you to the program that fits your situation.
Do I need U.S. credit or U.S. income?
Not necessarily. Many ITIN buyers build a qualifying profile with alternative credit, and foreign national programs can use verified foreign income and assets. We work with what you have.
What is the difference between an ITIN loan and a foreign national loan?
An ITIN loan is usually for someone living and working in the U.S. who files taxes with an ITIN. A foreign national loan is for someone living abroad, often buying an investment property, using foreign income or the property's rent.
Can I buy an investment property this way?
Yes. Foreign nationals and ITIN borrowers can finance rentals, often through a DSCR loan that qualifies on the property's rent rather than personal income, and can close in an LLC.
Are the rates higher?
Somewhat, usually around 1.5% to 3% above conventional, because these are Non-QM loans with more documentation. For buyers who cannot use a conventional loan, it is the path to ownership, and refinancing later is often possible.
What clients say
Real families and professionals across Texas.
★★★★★
Oscar nos apoyó durante todo el proceso de compra de nuestra casa con un profesionalismo excepcional. Nos explicó cada detalle con claridad y nos dio confianza en cada paso. Si tuviera que recomendar a alguien, sería a Oscar sin dudarlo.
Christian Andrade
Comprador
★★★★★
From our first conversation through the whole process, Oscar was professional and highly knowledgeable. He made an otherwise stressful event smooth and successful. We highly recommend Oscar and the Mpire Financial team.
Mara Nieves
Home Buyer
★★★★★
Oscar went to the moon and beyond for my clients. Very knowledgeable and capable, always there to answer questions when we need it. One more family is enjoying their new home. You rock!
Rita Saenz-Pragner
Realtor
Home ownership without the SSN barrier.
Bring your documents and your goals, and we will build the path in the language you are most comfortable in.
Book Your Planning CallPrefer to talk now? Call (469) 484-7608