🏠 ITIN Loans in Austin, TX - No SSN Required
Buy your dream home using your Individual Tax Identification Number (ITIN). I've helped 46+ families secure ITIN mortgages when banks said "impossible." Licensed Texas REALTOR® specializing in non-traditional financing, including self-employed mortgage loans.
IMPORTANT: I am a licensed REALTOR®, not a lender. I connect you with ITIN-specialized lenders. Equal Housing Opportunity.
What Are ITIN Loans? (Individual Tax ID Mortgages Explained)
Simple Definition
An ITIN loan allows people without Social Security Numbers to buy homes using their Individual Tax Identification Number (ITIN) instead of an SSN.
Who Qualifies?
- Foreign nationals in the US
- Non-resident aliens
- People who file taxes with ITIN
- Self-employed individuals with ITIN
Legal Note: As a licensed Texas REALTOR®, I help you navigate the home buying process and connect you with ITIN-specialized lenders. I am not a lender and do not guarantee loan approvals.
How I Help You with ITIN Loans
My proven process connects ITIN buyers with the right lenders. As a licensed REALTOR®, I guide you through every step of the buying process.
Free Consultation (15 minutes)
Review your ITIN documentation, assess income and assets, explain available options
Lender Connection (24-48 hours)
Connect you with ITIN-specialized lenders, get pre-approval letter
House Hunting (2-4 weeks)
Search Austin, Round Rock, Cedar Park, schedule viewings, make competitive offers
Processing (30-45 days)
Complete application, property appraisal, underwriting review
Closing (1 day)
Final walkthrough, sign documents, get your keys!
✨ Real Success Story
"Three banks told me NO because I only had an ITIN. Sully found a lender in 48 hours and now I have my little house in Round Rock. She's an angel!"
- Maria Gonzalez, Round Rock
Frequently Asked Questions - ITIN Loans
Q: Can I buy a house without a Social Security Number?
A: Yes! ITIN loans are specifically designed for this. I've helped 46+ clients buy homes using only their ITIN. As a licensed REALTOR®, I connect you with specialized lenders who understand your situation.
Q: What interest rates can I expect?
A: Rates are typically 0.5-2% higher than conventional loans, but vary based on your financial situation. I connect you with lenders offering the best available rates for ITIN loans.
Q: How much down payment do I need?
A: ITIN loan programs start from 3% down payment. The exact amount depends on the lender and your financial profile. I help you find options that work with your budget.
Q: Which Austin areas accept ITIN buyers?
A: All areas! I specialize in Round Rock, Cedar Park, Pflugerville, Georgetown, and Hutto. As a Round Rock local expert, there are no restrictions on where you can buy with an ITIN loan.
More Specialized Services
As a non-traditional financing specialist, I offer multiple solutions for unique buyers.
Self-Employed Loans
Bank Statement, Asset-Based, and Non-QM loans for 1099, freelancers, and business owners
Round Rock Local Expert
Deep knowledge of Teravista, Forest Creek, Clay Madsen Ranch, and all neighborhoods
🎯All my services include free consultation and guaranteed response within 2 hours. As a Top 2.5% agent, your success is my priority.
Ready to Start Your ITIN Loan Journey?
Don't let other agents tell you it's impossible. I specialize in making ITIN loans happen.
⚡ Limited ITIN loan programs available - contact today
The faster you contact me, the faster you can have the keys to your new home
Sullysvenett Ruiz Torres, REALTOR® - License #0742907
Keller Williams Austin NW - 9606 N Mopac Expy, Ste 950, Austin, TX 78759
Licensed in Texas. Not a commitment to lend. Equal Housing Opportunity.