If you work, file your taxes, and have an ITIN, homeownership is not off the table — it's a real, legal path that thousands of families use every year. An ITIN loan qualifies you on your tax history and income instead of a Social Security number. Beto walks you through every step, in English or Spanish, and finds the lender that says yes.
It's the assumption that costs hardworking families the most — paying rent for a decade while believing the door is closed. It isn't.
So families keep renting, keep building someone else's equity, and never even ask — assuming the answer is no before anyone has run the numbers.
If you file U.S. taxes with an ITIN, specialized lenders will qualify you on your income, tax history, and credit — no SSN needed. There's no federal law against it. Many of your neighbors already own their homes this way.
No jargon. An ITIN loan follows the same path as any mortgage; it just uses a different number to identify you.
An Individual Taxpayer Identification Number is a tax-processing number the IRS issues to people who must file U.S. taxes but can't get a Social Security number. If you've been paying taxes with one (via Form W-7), you already have what an ITIN loan is built around. It's used in place of an SSN to identify you and confirm you've been filing.
An unexpired ITIN from the IRS. Don't have one yet? Form W-7 starts it — Beto can point you to help.
Tax returns filed with your ITIN, pay stubs or W-2s, or bank statements if you're self-employed.
A traditional score if you have one — or alternative credit like rent and utilities if you don't.
Specialized non-QM lenders keep these loans on their own books, so they have the flexibility to say yes.
An ITIN loan is the right tool for some borrowers — but not everyone who asks for one actually needs it. Depending on your situation, you may qualify for a loan with better rates and a smaller down payment. Here's the honest map.
Not sure which row is you? That's the single most common question Beto gets. Bring your documents and he'll tell you the best path — in English or Spanish. Immigration and lending rules change, so treat this as a guide, not legal advice, and let a professional confirm your specific situation.
ITIN loans ask for a bit more down and more documentation than a conventional loan — but the requirements are clear, and the most common reason for a "no" is simply an incomplete file.
If you've never had a U.S. credit card or loan, many ITIN lenders accept "alternative credit" — proof that you reliably pay your regular obligations. Usually 12 months of on-time payments does it.
12 months of on-time rent payments — the strongest alternative tradeline.
Electric, water, or gas bills in your name, paid on time.
A cell phone account history showing consistent payments.
Auto or renters insurance premiums paid steadily over time.
Thin credit today? Start documenting these now. By the time you're ready to buy, you may have exactly the history a lender needs — Beto will tell you what to save and for how long.
For many immigrant families, an ITIN loan is the first real step from renting into owning — and into building lasting equity.
Qualify on your ITIN, income, and credit — no Social Security number required. A legitimate, fully legal mortgage that puts a home in your name.
A home of your ownW-2 or self-employed, traditional credit or alternative credit, passport or matrícula consular — there's usually a way to document your real, stable income.
Many ways to qualifyThe hardest part is knowing where to start. Beto explains every step in English, Spanish, or Portuguese — and handles the lender search for you.
En tu idiomaSan Antonio runs on the work of people who pay their taxes and deserve a shot at ownership. If that's you, let's see what's possible.
You've filed for years, you've got steady income, and you're tired of paying rent. This is the loan built for exactly your situation.
One spouse has an SSN, the other an ITIN? There's often a strong path — sometimes combining incomes or choosing the loan that fits you both.
Run your own business? Pair your ITIN with bank statements to document income — no W-2 required.
Years of on-time rent is one of the best things you can show a lender. Let's turn that history into a home of your own.
Alberto Moravia — Beto the Broker — is a licensed mortgage broker, TREC Certified Instructor, and proud San Antonio resident who believes a missing Social Security number shouldn't mean a missing shot at homeownership. He speaks English, Spanish, and Portuguese, and he'll walk you through it patiently, paso a paso.
As an independent broker at Edge Home Finance LLC, Alberto shops across 100+ wholesale and portfolio lenders — the ones who actually do ITIN loans — and helps you figure out whether ITIN, conventional, or another path gets you the best deal for your situation. Straight answers, no judgment.
A free 10-minute call with Beto, in English or Spanish. Tell him about your work, your taxes, and your ITIN, and he'll tell you straight whether homeownership is within reach — and the smartest, lowest-cost way to get there. No pressure, no judgment.