Helping You Achieve Homeownership — No Social Security Number Required
At Real Estate Capital Houston, we believe everyone deserves the opportunity to own a home — regardless of immigration status. If you live, work, and pay taxes in the U.S. using an Individual Taxpayer Identification Number (ITIN), we can help you secure a mortgage and achieve your dream of homeownership right here in Houston.
Our ITIN Loan Program is designed for borrowers who may not have a Social Security Number but have a strong financial history, steady income, and the desire to own a home or investment property in Texas.
An ITIN Loan (Individual Taxpayer Identification Number loan) is a special mortgage program that allows individuals without a Social Security Number to buy or refinance a home in the United States.
Instead of using an SSN, borrowers qualify using their ITIN, issued by the IRS for tax purposes.
These programs open doors for non-U.S. citizens, immigrants, and foreign nationals who want to invest in their future through homeownership — especially in the thriving Houston housing market.
Qualify using your ITIN instead — perfect for immigrants, foreign nationals, and self-employed borrowers.
Buy your first home, refinance, or even invest in property — just like any other homeowner.
We accept a variety of income verification options, including bank statements or tax returns filed under your ITIN.
Use your ITIN loan for single-family homes, condos, or investment properties in Houston and nearby areas.
Owning a home helps you build financial stability and credit over time.
Even if you don’t have a long U.S. credit history, we can help use alternative credit sources such as rent, utility, or insurance payment records.
We specialize in helping diverse borrowers find their path to homeownership — with programs built around your unique needs.
Our Houston-based team is experienced, bilingual-friendly, and dedicated to helping you understand your options every step of the way.
When you work with Real Estate Capital Houston, you get:
We don’t just process loans — we build trust and help families open the door to a brighter financial future.
“They made the loan process so easy!”
“I was nervous about buying my first home, but they walked me through everything and helped me understand all my options. I couldn’t have asked for a better experience.”
“Truly a partner in the process.”
“As a self-employed borrower, I was turned away by big banks. Real Estate Capital Houston found a Non-QM loan that fit perfectly. They really cared about finding a solution, not just making a sale.”
“Knowledgeable, patient, and reliable.”
“I’ve worked with other lenders before, but this team stood out. They explained every detail, answered all my questions, and delivered exactly what they promised. I’ll be coming back for my next property purchase.”
Your immigration status shouldn’t stand in the way of your real estate dreams.
Whether you’re buying your first home or investing in property, Real Estate Capital Houston can help make it possible with an ITIN mortgage designed for you.
