ITIN Mortgages in Austin, TX

If you work, pay taxes with an ITIN and want to own a home in Austin, you may have more options than you’ve been told. Many banks don’t offer ITIN loans at all, but some wholesale lenders do. My job is to find the ones that fit your situation. This program is part of our non-QM loan options.

How it differs from a conventional loan

Conventional loans follow Fannie Mae and Freddie Mac rules, which generally require a Social Security number. ITIN loans are non-QM, so each lender writes its own guidelines on documentation, credit history, down payment and property type. Those differences can be large, so comparing lenders matters. Down payment, rate and approval all vary by lender and scenario.

Common documentation

• Your ITIN letter from the IRS
• Government-issued ID
• Proof of income, such as tax returns filed with your ITIN, pay records or bank statements
• Residence history

Exact requirements vary by lender.

Who it fits

• You have an ITIN and no SSN
• You have steady income you can document
• You’re buying a home to live in

Look elsewhere when

• You have an SSN and qualify conventionally. A first-time home buyer or conventional option may fit.
• The property isn’t in Texas
• You live outside the US. See foreign national mortgages.

How CapFi compares ITIN lenders

I compare ITIN programs across more than 50 wholesale lenders, and if your file needs a lender we don’t already work with, we can sign them up. Self-employed ITIN borrowers may also want to look at how bank statement and self-employed programs document income.

FAQs

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