International · Texas
ITIN Borrower in Texas
Working in Texas on an ITIN? Buy a primary residence with documented work and rental history — no SSN required.
Common challenges we solve
- No Social Security Number
- Limited or no U.S. credit
- Cash-based or 1099 income history
What you get with Lumos
ITIN-only purchase loans
Alternative credit (rent, utilities, insurance)
Down payment requirements vary by program
What's different in Texas
Texas has no state income tax, but property tax rates are among the higher ones in the country, and newer subdivisions often add MUD or PID assessments — all of which count toward your monthly debt-to-income ratio. Texas also offers a homestead exemption on your primary residence once you own it.
Loan programs that typically fit
Frequently asked
- What documents do you need?
- ITIN letter, 2 years' work history, and proof of income via tax returns or bank statements.
- What credit score?
- We have programs from 620; alternative credit accepted.
Related pages
Get qualified in 60 seconds →Local guide: ITIN Loans in Houston, TXLocal guide: ITIN Loans in Laredo, TXLocal guide: ITIN Loans in McAllen, TXLocal guide: ITIN Loans in El Paso, TXITIN Borrower in FloridaForeign National Investor in TexasForeign National Second Home in TexasHouston, Texas Mortgage BrokerSugar Land, Texas Mortgage BrokerThe Woodlands, Texas Mortgage Broker
