Advanced Lending Solutions
Serving Texas · Florida · Michigan | Call Us: 888-668-3559 | How Much Can I Borrow?
888-668-3559
ITIN & DACA HOME LOANS — TEXAS
You Don’t Need a Social Security Number to Own a Home
Our ITIN and DACA mortgage program gives hardworking individuals the same path to homeownership as any other buyer — with as little as 3.5% down and flexible income documentation.
VA Construction
Conventional
First-TIme Builders OK
1-4 Units
See Your Options
3.5%
MINIMUM DOWN
96.5%
FINANCING AVAILABLE
40-yr
LOAN TERMS
No SSN
REQUIRED
A Mortgage Built for ITIN & DACA Borrowers
Millions of hardworking individuals contribute to the economy, pay taxes, and dream of owning a home — but are turned away by traditional lenders simply because they don’t have a Social Security number.
We believe that’s wrong. Our ITIN mortgage program is specifically designed to help ITIN holders and DACA recipients qualify for a home loan using their Individual Taxpayer Identification Number, alternative income documentation, and as little as 3.5% down.
Whether you’re self-employed, a gig worker, or traditionally employed, we have a path to get you approved and into a home in Texas.
What You’ll Need to Qualify​
Standard documentation for ITIN mortgage approval
Valid ITIN Number
Your Individual Taxpayer Identification Number issued by the IRS
Government-Issued ID
Passport, consular ID (matricúla), or other government-issued identification
Proof of Income
Tax returns, bank statements, or self-employed income documentation
Recent Tax Returns
Filed using your ITIN — typically 1–2 years of returns
Bank Statements
12–24 months of personal or business bank statements
Down Payment Funds
Minimum 3.5% of the purchase price, sourced and documented
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ITIN & DACA Loan Programs
Multiple paths to approval depending on your employment type, income documentation, and down payment.
MOST POPULAR
ITIN / DACA
ITIN Home Purchase Loan​
Buy a home in Texas using your ITIN instead of a Social Security number. This program is available to both ITIN holders and DACA recipients, with flexible income documentation options that accommodate self-employed and gig economy workers.
ITIN accepted in place of SSN
As little as 3.5% down payment
Up to 96.5% financing
Self-employed and gig worker income accepted
40-year loan terms available​
Send Us Your Inquiry
SELF-EMPLOYED
ITIN + Self-Employed Income​
Self-employed ITIN borrowers face a double challenge — no SSN and non-traditional income. Our program solves both. Qualify using bank statements or tax returns filed with your ITIN, without needing W-2 employment or a Social Security number.​​
Bank statements or ITIN tax returns accepted
No W-2 or traditional employment required
LBusiness owners, contractors & gig workers eligible
DACA status accepted
Primary residence in Texas​
Send Us Your Inquiry
DACA RECIPIENTS
DACA Recipient Home Loan​
If you hold DACA status and have been making this country your home, you deserve to make it official. Our DACA loan program provides a clear and straightforward path to homeownership in Texas with competitive terms and flexible documentation requirements.​
DACA status accepted
Valid Employment Authorization Document (EAD) required
As little as 3.5% down
Flexible income documentation
Serving Texas communities
Send Us Your Inquiry
Hablamos Español — We Speak Spanish
Our bilingual team is here to guide you through every step of the process in the language you’re most comfortable with. No confusion, no barriers — just clear answers and a path to your new home.
Contáctenos Hoy — Contact Us Today
Frequently Asked Questions
Can I get a mortgage with an ITIN instead of a Social Security number?
Yes. Our ITIN mortgage program is specifically designed for borrowers who file taxes using an Individual Taxpayer Identification Number. No Social Security number is required. You will need your valid ITIN, a government-issued ID, proof of income, and down payment funds.
Are DACA recipients eligible for a home loan in Texas?
Yes. DACA recipients with a valid Employment Authorization Document (EAD) are eligible for our mortgage program. We work with DACA borrowers to help them achieve homeownership in Texas with as little as 3.5% down and flexible income documentation.
What documents do I need for an ITIN mortgage?
You will typically need your valid ITIN number, a government-issued photo ID (such as a passport or consular ID), proof of income through tax returns or bank statements, and documentation of your down payment funds. Our team will walk you through the exact requirements for your situation.
Can I qualify if I am self-employed or a gig worker?
Absolutely. Our ITIN program is specifically designed to accommodate self-employed borrowers and gig economy workers. We accept bank statement income, ITIN-filed tax returns, and other alternative income documentation in place of traditional W-2 employment records.
How much do I need for a down payment?
As little as 3.5% of the purchase price. That means on a $250,000 home, you would need approximately $8,750 for the down payment. Our team can also discuss options for closing cost assistance to help reduce what you need to bring to the table at closing.As little as 3.5% of the purchase price. That means on a $250,000 home, you would need approximately $8,750 for the down payment. Our team can also discuss options for closing cost assistance to help reduce what you need to bring to the table at closing.
Is this program only available in Texas?
Our ITIN and DACA mortgage programs are currently available for properties in Texas. Advanced Lending Solutions is also licensed in Florida and Michigan — contact us to discuss availability in those states.
Your Dream of Homeownership Is Within Reach
We have helped countless ITIN and DACA borrowers achieve homeownership in Texas. Let our bilingual team guide you through every step of the process.
Get Pre-Qualified Today
Call 888-668-3559