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 payments from 15%
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.
