ITIN LOANS

June 04, 2026•1 min read

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ITIN LOANS

Can I Buy a Home in Texas With an ITIN? Here's What You Need to Know

Can I Buy a Home in Texas With an ITIN?

The short answer: Yes!Many families in the Dallas-Fort Worth area have purchased homes using their Individual Taxpayer Identification Number (ITIN). At M&I TX Home Team, we specialize in helping ITIN families achieve homeownership.

What Is an ITIN Loan?

An ITIN loan is a mortgage program designed for borrowers who have an ITIN instead of a Social Security number. These programs allow ITIN holders to purchase homes with competitive rates and terms.

Common Requirements

Valid ITIN
Proof of income (tax returns or bank statements)
Down payment (typically 10-20%)
Credit history (some programs accept alternative credit)
Proof of residency

Why Work With a Specialist?

Not all lenders offer ITIN loans, and the requirements can vary significantly. Irene Chanthapraseut is bilingual (English & Spanish) and understands both the real estate and mortgage sides of the process.

Servicio en Español

¿Tiene preguntas sobre préstamos ITIN? Irene habla español y está lista para ayudarle.

Contact M&I TX Home Team or a free ITIN loan consultation.

CLICK HERE: To Take The Pre-Qualification Quiz

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Irene Chanthapraseut

Irene Chanthapraseut is a Texas Realtor® and Mortgage Loan Originator serving Dallas-Fort Worth and communities across Texas. As Co-Founder of M&I Tx Home Team, she helps first-time home buyers, self-employed entrepreneurs, ITIN borrowers, move-up buyers, and sellers navigate the home buying and selling process with confidence. Known for her faith-led approach and commitment to education, Irene specializes in down payment assistance programs, FHA, VA, USDA, Conventional, Non-QM, ITIN loans, and creative financing solutions. Her mission is simple: help families move from financial instability into homeownership, wealth building, and generational legacy. Through her blog, Irene shares practical real estate and mortgage insights, market updates, home buying strategies, and financial education designed to empower families to make informed decisions and achieve their homeownership goals.

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