ITIN Last Call in Texas
Texas is one of the largest markets for ITIN homeownership in the country. With no state income tax, a fast-growing economy, and a large community of ITIN taxpayers, Roxford Holdings offers ITIN home loans across Texas that let you buy or refinance a home with a valid Individual Taxpayer Identification Number — no Social Security Number required.
Texas ITIN loan highlights
- Available across Houston, Dallas–Fort Worth, San Antonio, Austin, and El Paso
- Debt-to-income up to 60% (Texas is not subject to the California/New Jersey 55% cap)
- Texas cash-out refinance is not permitted on these ITIN programs — purchase and rate/term refinance only
- Qualify with a valid, unexpired ITIN plus an unexpired passport, visa, or government ID
Available across: Houston · Dallas–Fort Worth · San Antonio · Austin · El Paso
Program at a glance: ITIN Last Call
Compare both ITIN programs in Texas
Both programs qualify borrowers with a valid ITIN — no Social Security Number required. Compare the details and pick the right fit.
Frequently Asked Questions
Can I buy an investment property with an ITIN?
Yes. ITIN Last Call finances investment properties and 2–4 unit properties with an ITIN — no Social Security Number required. Investment and cash-out transactions require a minimum 640 FICO.
How does FICO affect my ITIN Last Call loan?
ITIN Last Call uses FICO-tiered loan-to-value. Borrowers with 700+ can reach up to 85% LTV on a primary residence purchase, with lower tiers available for other scores, occupancies, and property types.
Is ITIN Last Call available in Texas and California?
Yes. It is available in Texas, California, and most states (Washington is excluded). Debt-to-income can reach up to 60% in most states, up to 55% in California and New Jersey, and up to 60% with compensating factors.
What is the maximum loan amount for ITIN Last Call?
Loan amounts range from $125,000 to $1,200,000. For larger owner-occupied or second-home ITIN loans up to $3,000,000, consider PRM Elevate.
Also available in: