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Texas ITIN Mortgage Lenders

TEXAS ITIN MORTGAGE LENDERS PROGRAMS

Non-Permanent Resident Texas Mortgage Lenders
Texas ITIN Texas Mortgage Lenders- Property Types

●SFRs, Condos, (Warrantable & Non-Warrantable), PUDs, 2-4 units, Villas, Townhomes
● No below average properties
● Minimum $50,000 equity required

OCCUPANCY

● Primary, 2nd Homes, second homes.

ELIGIBLE TEXAS MORTGAGE APPLICANTS  
Non-Permanent Resident Aliens- Individual Taxpayer Identification Number (ITIN)

TEXAS VISA MORTGAGE LENDERS
Acceptable Visa Classifications
The following visa classifications are allowed as Texas Non Permanent Resident Alien :
• E-1, E-2, E-3
• G-1 through G-5
• H-1
• L-1
• NATO
• O-1
• R-1
• TN (NAFTA)

TEXAS VIA MORTGAGE LENDERS DOCUMENTATION REQUIREMENTS
Copies of the borrower’s passport and unexpired visa must be obtained. Acceptable alternative documentation to verify visa classification is an I-797 form (Notice of Action) with valid extension dates and an I-94 form (Arrival/Departure Record). Borrowers unable to provide evidence of lawful residency status in the U.S. are not eligible for financing under the Texas Non Permanent Resident Alien program.

A valid employment authorization document (EAD) must be obtained if the visa is not sponsored by the borrower’s current employer. If the visa will expire within 12 months of loan application, it is acceptable to obtain a letter from the employer documenting the borrower’s continued employment and continued visa renewal sponsorship (employer on the loan application must be the same as on the unexpired visa). If a Texas Non Permanent Resident Alien is borrowing with a U.S. citizen, it does not eliminate visa or other residency requirements. Individuals in possession of spouse or family member visas are to qualify as co-borrowers only. A valid EAD must be provided to use their income for qualification.

Borrowers who are residents of countries which participate in the State Department’s Visa Waiver Program (VWP) will not be required to provide a valid visa. Participating countries can be verified through the U.S. Department of State website at
http://travel.state.gov/content/visas/english/visit/visawaiver-program.html.

CREDIT SCORE / TRADE LINE REQUIREMENTS:
● 3 trade lines reporting for ≥ 12 month; or 2 trade lines reporting for ≥ 24 months with
activity in the past 12 months. Borrower must have housing history or one of the
trades must have $5,000 high credit/limit.
● Credit Score—The lowest middle score of the primary wage-earner is used for pricing
and LTV purposes.
● ITIN—Credit will be pulled using borrower’s ITIN number and must have a minimum
of 2 credit scores.

TEXAS ITIN MORTGAGE LENDERS PAYMENT SHOCK:
● Maximum 300%.
TAX LIENS AND JUDGMENTS:
● All tax liens and judgments must be paid at closing.
COLLECTION/CHARGE-OFF ACCOUNTS:
● Collections and charge offs need to be paid off except:
– Medical Collections.
– Collection accounts older than 2 years.
ASSETS / RESERVES:
● 3 months > 65%
● Gift funds for down payment ok, Borrower must contribute 5% own funds.
LISTED PROPERTIES:
● Must be off market for 6 months.
OCCUPANCY:
● Owner Occupied and 2nd Home
● First-time Homebuyers with 12 months canceled rent checks, 75% max LTV, 680 FICO

INCOME DOCUMENTATION:
● Full Doc – 1 or 2 years W-2, paystubs, tax returns or K1’s.
● Alt Doc – 12 or 24 months personal or business bank statements or 1099’s .
Min. 2 years history of self employment required.
● Texas ITIN Mortgage Lenders—100% of amount needed to amortize loan plus monthly debts for 60
months (Cash-out not allowed)
● Asset Assist—Assets divided by 60 is added to income. Maximum 25%

INELIGIBLE PROPERTIES:
● Rural Properties, Site > 10 Acres, High-rise Condo in Dade/
Broward Counties, Florida (8+ stories)

LOAN TERMS:
● 5 ARM or 30 Year Fixed
● 10 Year / 40 Year Term IO
● Index is 1 year LIBOR
● No pre-payment penalty
● Caps are 2/2/5
(2% Initial Change Cap / 2% Period Adj / 5% Lifetime Cap)
● Margin 3.75%
● All loans require impounds for tax and insurance

LOAN AMOUNTS:
● $100,000—$1,000,000.

HOUSING HISTORY/CREDIT EVENT SEASONING:
● Housing history—0x30. For housing delinquency, see pricing
adjustments.
● Bankruptcy/Foreclosure—3 year seasoning. For less than 3
years, see pricing adjustments.
● Short Sale/Deed-in-Lieu/Modification—2 yea

NCOME/DTI:
● Max of 55% DTI
● Residual Income—$1,500 per household plus $500 1st child,$250 thereafter. Child maximum $1,500

Texas ITIN Texas Mortgage Lenders Refinance
• If the property was purchased within 12 months of the application date, Property Value is equal to the lower of the sales price or appraised value. If the property was purchased more than 12 months prior to the application date, the property value is equal to the appraised value.
• For Texas homes where capital improvements have been made to the property after purchase, LTV/CLTV/HCLTV can be based on the lesser of the current
appraised value or original purchase price plus the documented improvements. Receipts are required to document cost of improvements.

When and Why should I apply for an ITIN Texas?
You should complete Form W-7 as soon as you are ready to file your federal income tax return, since you need to attach the return to your application.

If you meet one of the exceptions to the tax filing requirement, submit Form W-7, along with the documents that prove your identity and foreign status. You are also required to include supplemental documents to substantiate your qualification for the exception, as soon as possible after you determine that you are covered by that exception.

You can apply for an ITIN Texas any time during the year. However, if the tax return you attach to Form W-7 is filed after the return’s due date, you may owe interest and/or penalties. You should file your current year return by the prescribed due date to avoid this situation.

Texas ITIN Texas Mortgage Lenders Property Types

: Single Family Residences, PUDs, Townhouses, Condominiums (warrantable only)Property Types – All Condos FNMA Warrantable Only; Warrantable Types S, T or U • New condominium projects (Type R) with Condo Project Manager (“CPM”) or PERS approval • Site (detached) Condos • Limited Review is not eligible

Ineligible: 2-4 Units • Texas Non-Warrantable condos • Acreage greater than 10 acres (appraisal must include total acreage) • Agricultural zoned property • Condo
hotel • Co-ops • Hobby Farms • Income producing properties with acreage • Leaseholds • Log Texas homes • Manufactured housing • Mixed-use Texas properties • Modular
Texas homes • Properties subject to oil and/or gas leases •Unique properties • Working farms, ranches or orchards.


Texas ITIN Texas Mortgage Lenders Income Documentation
A minimum of two (2) years employment and income history
• Gaps in employment in excess of 30 days during the past two (2) years require a satisfactory letter of explanation and the Texas ITIN Texas mortgage applicants must be
employed with their current employer for a minimum of six (6) months to qualify.
• For a Texas ITIN Texas mortgage applicants who has less than a two-year employment and income history, the Texas ITIN Texas mortgage applicants’s income may be qualifying income if the Mortgage file
contains documentation to support that the Texas ITIN Texas mortgage applicants was either attending school or in a training program immediately prior to their current
employment history. School transcripts must be provided to document.
IRS Form 4506‐T / Tax Transcripts
• A completed, signed, and dated IRS form 4506-T must be completed for all Texas ITIN Texas mortgage applicantss at closing whose income is used to qualify for the mortgage.
• The 4506-T must be processed and tax transcripts obtained (for each year requested) to validate against all tax returns used for qualifying and/or W-
2 forms. For self-employed Texas ITIN Texas mortgage applicantss, this applies to both personal and business returns (for businesses where Texas ITIN Texas mortgage applicants(s) has 25% or more
ownership) regardless of whether or not income is used to qualify, a separate form must be filled out for each business entity.

Texas ITIN Texas Mortgage Lenders Documentation requirements:
• Pay Stub – 1 full month with YTD earnings
• W-2’s and/or 1099’s – prior two (2) years for all Texas ITIN Texas mortgage applicants
• 1040’s – prior two years, including all pages, schedules, statements
• Year to date Profit and Loss Statements and Balance Sheets are required for all self-employed Texas ITIN Texas mortgage applicants (in addition to two years of tax returns)
• K-1’s on all corporations and Schedule E business entities prior two years
• Texas Business returns on all Corporations and Schedule E business entities prior two years if ownership is > 25%, including all pages, schedules,
statements
• 1120S, 1120 and 1065’s – prior two (2) years if General Partner and/or percentage of ownership is > 25%, including all pages, schedules,
statements

Texas ITIN Texas Mortgage Lenders Max Payment Shock
Payment shock is 150%

Payment Shock Calculation: Payment shock is a function of the percentage of the pay increase of a new payment when compared to a prior rental or housing monthly payment.


Texas ITIN Texas Mortgage Lenders After Bankruptcy
Chapter 7 and 11:

Texas Chapter 7 and Chapter 11 bankruptcies must be discharged for a minimum of 36 months from closing date. Seasoning is measured from the month and year of discharge.
Chapter 13:
Texas Chapter 13 bankruptcies must be discharged for a minimum of 36 months from closing date. Seasoning is measured from the month and year of discharge. If
the Chapter 13 bankruptcy was dismissed, 36 months’ seasoning is required from the date of the dismissal.


Texas ITIN Texas Mortgage Lenders Checking and Savings Accounts
• The two (2) most recent, consecutive months’ statements for each account are required.
• Large deposits inconsistent with monthly income or other deposits must be verified.
Marketable Securities
• Two (2) most recent, consecutive months stock/securities account statements are required.
• 70% of stock accounts can be considered in the calculation of assets for closing and reserves.
• Non-vested or restricted stock accounts are not eligible for use as down payment or reserves.
Earnest Money Deposit (EMD)
Earnest money deposit (EMD) must be sourced and verified on all loans
Retirement Accounts
• Most recent Texas retirement account statement covering a minimum of two (2) month period.
• Evidence of liquidation is required when funds are used for down payment or closing cost
• 60% of the vested value of retirement accounts, after reduction of any outstanding loans, may be considered toward the required reserves.
• Excluding 401k’s & IRA’s, verification of the terms of liquidation if funds are used for reserves
• Retirement accounts that do not allow any type of withdrawal are ineligible for use as reserves.
Business Funds
• The Texas mortgage applicant withdrawal of cash from a business may not have a severe negative impact on the business’ ability to continue operating. If a Texas ITIN Texas mortgage applicants
is trying to use business funds for closing/down payment or reserves, an analysis must be completed by the underwriter to ensure the cash
withdraw will not impact the business.
Texas ITIN Texas mortgage applicants(s) must be 100% owner and the following is required:
• Cash flow analysis required using 3 months business bank statements to determine no negative impact to business based on withdrawal of funds
• A letter from the Texas ITIN Texas mortgage applicants(s) accountant must include the following statements or comments:
• The Texas ITIN Texas mortgage applicants has access to the funds.
• The funds are not a loan.
• The accountant may not be related to the Texas ITIN Texas mortgage applicants or be an interested party to the transaction.
Ineligible Assets:
• Gift of Equity • Grant Funds • Pooled Funds • Builder Profits • Cash on Hand • Unsecured loans • No Employer Assistance Assets • Sale of an asset
other than real property or publicly traded securities Age of Documents
Credit Report/Credit Documentation: 90 days old at the time of closing
Income and Asset Documentation: Dated within 90 days of closing
Title Report/Title Commitment: Dated no later than 60 days prior to closing Texas


Texas ITIN Texas Mortgage Lenders Appraisals
Full Interior / Exterior appraisal required. Fannie Mae/Freddie Mac Forms 1004/70, 1025/72, 1073/465 or 2090 must be used. All Fannie Guidelines apply to
appraisal process and value determination, in addition, an Appraisal Management Company must be utilized for appraiser selection.

The Appraisal should be dated no more than 120 days prior to the Note Date. After a 120 day period, a new appraisal is required. Re-certification of value is
not acceptable. Minimum Square Footage 800 Sq. Feet

Not eligible: Properties for which the appraisal indicates condition ratings of C5 or C6 or a quality rating of Q6, each as determined under the Uniform Appraisal
Dataset (UAD) guidelines. GreenBox will consider if issue has been corrected prior to loan funding with proper documentation.

TEXAS APPRAISAL REVIEW : An Appraisal Desktop Review (ARA) from Computer Share is required on all transactions.

Texas ITIN Texas Mortgage Lenders Seller Concessions
All seller concessions must be addressed in the sales contract, appraisal and Closing Disclosure, as applicable, and be compliant with applicable federal and local state law. A seller concession is defined as any interested party contribution beyond the stated limits, or any amounts not being used for closing costs or prepaid expenses (i.e. funds for repairs not completed prior to closing is a seller concession). If a seller concession is present, both the appraised value and sales price must be reduced by the concession amount for purposes of calculating the LTV/CLTV/HCLTV.
Interested party contributions include funds contributed by the property seller, builder, real estate agent/broker, mortgage lender, or their affiliates, or any other party with an interest in the real estate transaction. Interested party contributions may only be used for closing costs and prepaid expenses, and may never be applied to any portion of the down payment or contributed to the Texas ITIN Texas mortgage applicants’ financial reserve requirements.

What is an ITIN?

An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service. The IRS issues ITINs to individuals who are required to have a U.S. taxpayer identification number but who do not have, and are not eligible to obtain, a Social Security number (SSN) from the Social Security Administration (SSA).

Individual Texas Taxpayer Identification Number

  • Your ITIN may expire before you file a tax return in 2021. All ITINs not used on a federal tax return at least once in the last three years will expire on December 31, 2020. Additionally, all ITINs issued before 2013 with middle digits of  88 (Example: (9XX-88-XXXX) will  expire at the end of the year. Those with middle digits 90, 91, 92, 94, 95, 96, 97, 98 or 99, that were assigned before 2013 and have not already been renewed, will also expire at the end of this year.
  • If you need to file a tax return in 2020, IRS recommends you submit a Form W-7, Application for IRS Individual Taxpayer Identification Number, or Formulario W-7 (SP), Solicitud de Número del Identificación Personal del Contribuyente del Servicio de Impuestos Internos, now to renew your ITIN. As a reminder, ITINs with middle digits 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, or 87 that expired in 2016, 2017,  2018, or 2019 can also be renewed.
  • See the ITIN Fact Sheet (PDF) for more information
  • Along with your Form W-7, you will need to:
    • attach your original identification documents or certified copies by the issuing agency and any other required attachments.
    • select the reason for needing the ITIN as outlined in the Form W-7 and W-7(SP) instructions.Note: Generally, a tax return is not required with a renewal application, however, spouses and dependents  cannot renew in advance. They may renew their ITIN only when filing an individual tax return, or someone else files an individual income tax return claiming them for an allowable tax benefit (such as a dependent parent who qualifies the primary taxpayer to claim head of household filing status).

What is a Texas ITIN used for?

IRS issues ITINs to help individuals comply with the U.S. tax laws, and to provide a means to efficiently process and account for tax returns and payments for those not eligible for Social Security numbers. They are issued regardless of immigration status, because both resident and nonresident aliens may have a U.S. filing or reporting requirement under the Internal Revenue Code. ITINs do not serve any purpose other than federal tax reporting.

An ITIN does not:

  • Authorize work in the U.S.
  • Provide eligibility for Social Security benefits
  • Qualify a dependent for Earned Income Tax Credit Purposes

Do I need a Texas ITIN?

Does the following apply to you?

  1. You do not have an SSN and are not eligible to obtain one, and
  2. You have a requirement to furnish a federal tax identification number or file a federal tax return, and
  3. You are in one of the following categories.
  • Nonresident alien who is required to file a U.S. tax return
  • U.S. resident alien who is (based on days present in the United States) filing a U.S. tax return
  • Dependent or spouse of a U.S. citizen/resident alien
  • Dependent or spouse of a nonresident alien visa holder
  • Nonresident alien claiming a tax treaty benefit
  • Nonresident alien student, professor or researcher filing a U.S. tax return or claiming an exception

If so, then you must apply for an ITIN.

Do I need to renew my ITIN?

If you need to file a tax return in 2021 and your ITIN has expired or will expire before you file in 2021, IRS recommends you submit your renewal application now to prevent potential delays in the processing of your return.  If you use an expired ITIN on a U.S. tax return, it will be processed and treated as timely filed, but without any exemptions and/or credits claimed and no refund will be paid at that time.  You will receive a notice explaining the delay in any refund and that the ITIN has expired.

Texas ITIN Texas Mortgage Lenders Serving Every City In Texas

Texas Zip Code City County Zip Code Map
Texas 73301 Aus Travis View Map
Texas 73344 Aus Travis View Map
Texas 75001 Addison Dallas View Map
Texas 75002 Allen Collin View Map
Texas 75006 Carrollton Dallas View Map
Texas 75007 Carrollton Denton View Map
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Texas 76641 Frost Navarro View Map</