Program highlights
- ITIN options: 100% / DSCR / lite doc
- DACA loans (Conventional)
- DACA (Non-QM)
- No credit and work visa program
- Foreign national
- Owner occupied, 2nd homes and non-owner occupied
Can I get a mortgage without a Social Security number?
Yes. Borrowers who pay taxes with an Individual Taxpayer Identification Number (ITIN), DACA recipients, work visa holders, and foreign nationals can all find mortgage options. These are mostly Non-QM programs, which means they use guidelines built for borrowers who fall outside standard agency rules.
ITIN loans
An ITIN loan is for borrowers who file U.S. taxes with an ITIN instead of a Social Security number. We offer three ITIN paths:
- ITIN 100%: a financing option designed to reduce the cash needed to buy, subject to program guidelines.
- ITIN DSCR: investment property financing that qualifies on the property's rental income.
- ITIN lite doc: reduced documentation options for borrowers whose income is harder to show on paper.
ITIN programs typically look for a history of filed tax returns, steady income, and a track record of paying bills on time, even if that history is not reflected in a traditional credit score.
DACA loans
DACA recipients can qualify for conventional DACA loans on an owner-occupied home, and Non-QM DACA options are also available. You will typically need a valid Employment Authorization Document, steady income, and documented work history.
No credit and work visa program
If you are in the U.S. on a work visa, or you are new to the country and have not built credit yet, our no credit and work visa program can help. Instead of a credit score, underwriters can review alternative credit, such as rent, utilities, and insurance payment history, along with your employment and visa documentation.
Foreign national loans
A foreign national loan is for buyers who live outside the U.S. and want to purchase a second home or investment property here. These loans typically use foreign income and credit documentation, require a larger down payment, and need funds to be verified and moved into a U.S. account before closing.
What to expect
These programs usually require more down and carry higher pricing than agency loans, because the documentation is different. Terms depend on credit history, down payment, reserves, and property type. We lay out the full picture before you commit.
What you need to apply
- Your ITIN letter, Employment Authorization Document, visa, or passport, as applies
- Two years of tax returns, or other income documentation
- Bank statements for down payment and reserves
- Alternative credit references, if you do not have a U.S. credit score
- For foreign nationals: foreign income and bank documentation
How we help in Austin
Austin is home to a large and growing immigrant community, international tech workers on visas, and buyers from abroad investing in Texas real estate. We explain each program in plain language, tell you exactly which documents matter, and help you avoid surprises at closing. These programs are available across our 12 licensed states.
Additional terms and conditions apply. Not all loan types are compatible with this product. Subject to underwriting conditions. Not a promise to make a loan. All borrowers must qualify.
ITIN and Foreign National Loans: common questions
What is an ITIN mortgage?
An ITIN mortgage is a home loan for borrowers who file U.S. taxes with an Individual Taxpayer Identification Number instead of a Social Security number. We offer ITIN options including a 100% option, DSCR for investment properties, and lite doc. Lenders typically look for filed tax returns, steady income, and a history of paying bills on time.
Can DACA recipients get a mortgage?
Yes. Our 2026 product guide includes conventional DACA loans for owner-occupied homes and Non-QM DACA options. You will typically need a valid Employment Authorization Document, steady income, and documented work history. Conventional DACA loans follow standard conventional guidelines, so if you qualify, pricing can be closer to what other conventional borrowers see.
Can I buy a home if I have no U.S. credit history?
Possibly. Our no credit and work visa program allows underwriters to review alternative credit, like rent, utility, phone, and insurance payment history, instead of a traditional credit score. Conventional no-FICO options may also apply in some cases. Bring us twelve months of on-time payment records and your employment documents, and we will review which path fits.
Can a foreign national buy a home in Texas?
Yes. Our foreign national program is designed for buyers who live outside the U.S. and want a second home or investment property here. These loans typically require a larger down payment, verification of foreign income and assets, and funds moved into a U.S. account before closing. Program rules on property type and reserves apply.
Do ITIN loans need a bigger down payment?
Often, yes, although it depends on the program. ITIN, foreign national, and other Non-QM loans typically require more down than agency loans, and pricing is usually higher. Our ITIN 100% option is designed to reduce the cash needed, subject to guidelines. We compare every option you qualify for and show your total cash to close.