Have an ITIN? You can own a home.
Buy a Home With an ITIN
Owner financing through our lending partner for qualified ITIN buyers in Texas. No Social Security number or bank mortgage required.
How we help ITIN buyers
No SSN required
Our lending partner's owner financing program is built to accept ITIN buyers.
Credit score optional
Scores from 560 are considered, and buyers without a credit score can still qualify.
Your income, documented your way
W-2s, 1099s, tax returns, or bank statements and P&Ls if you're self-employed.
Any eligible home
Choose from our listings or another eligible Texas home. The title is in your name at closing.
Basic requirements
A quick look at the program. Your exact down payment depends on your answers and the home's price, and our quick survey shows it.
- ID
- ITIN (no Social Security number needed)
- Credit
- Scores from 560, or no credit score
- Down payment
- From 10% with a credit score, about 20% without one
- Income
- Steady income you can document: pay stubs, 1099s, tax returns, or bank statements
- The home
- Single-family homes, townhomes, and condos in Texas, priced $150,000–$3,000,000
- Occupancy
- Must be your primary residence
- Loan
- 30-year fixed
General program terms, not an offer. Final rate, payment, and terms are based on approval. Higher-priced homes may need a larger down payment.
How it works
- 1
Answer a few questions
Tell us about your ID, income, and credit. It takes about a minute.
- 2
See your requirements
We show the down payment you'd need for your price range.
- 3
Pick your home
Choose a home. Our lending partner buys it at closing.
- 4
Move in
It's resold to you at closing with owner financing, with the title in your name.
ITIN buyer questions
Yes. Qualified ITIN buyers can buy an eligible Texas home with owner financing through our lending partner. No Social Security number is required.
Have an ITIN? See what you'd need.
Answer a few quick questions and see your down payment in about a minute.