Own a Home in Texas.
No SSN Required.
Over $250 million funded for ITIN holders and foreign nationals. The nation's most experienced private mortgage company — serving borrowers and loan officers across Texas.
Who We Serve
Three audiences. One mission: making private mortgage lending work for borrowers, loan officers, and investors.
ITIN Borrowers
No SSN? No problem. Learn what you need to qualify, how to prepare your documents, sign up for a free webinar, and apply for your Texas home loan.
See How to Qualify →Loan Officers
Licensed in Texas? Access our 90% LTV wholesale programs, no bank overlays, and close ITIN loans in 21–28 days with full underwriting support.
View Programs & Resources →Investors
Earn 12% annual returns backed by private mortgage loans secured by Texas real estate. Under 2% default rate. 20+ years of proven performance.
Explore the Opportunity →America's #1 Private ITIN Lender
The largest and most experienced private mortgage company for ITIN and Foreign National home loans in the United States.
Meet Your Lender
Carol Ussery
With 34+ years in real estate and 22+ years in the mortgage industry, Carol founded Private Mortgage Group to serve the borrowers that traditional banks ignore.
She's personally overseen more than $250 million in funded loans — and she understands that behind every application is a family with a dream of homeownership.
Learn More →ITIN Mortgage Lender Texas
Who We Help
Traditional lenders say no. PMG says yes. We specialize in home loans for borrowers that banks routinely turn away.
ITIN Holders
No Social Security Number? No problem. We issue home loans using your ITIN — the same way you file your taxes. Up to 90% LTV, primary residence in Texas.
Foreign Nationals
Buying a home in Texas from abroad? We accept international credit history, foreign income documentation, and alternative verification methods.
Self-Employed Borrowers
Business owner with write-offs that hurt your income on paper? We qualify you on bank statements or a CPA P&L — no tax returns required.
No U.S. Credit Score
New to the U.S. credit system? We work with alternative credit sources including auto loans, utility history, and home-country credit reports.
Why Choose PMG
The ITIN Mortgage Lender Built for You
No other private mortgage company in Texas offers more experience, more flexibility, or more programs for ITIN and foreign national borrowers.
Up to 90% LTV
Only 10% down required on qualifying purchases — the highest LTV available for ITIN borrowers in Texas.
No Tax Returns Required
We accept 12–24 months of bank statements or a CPA-prepared P&L. Self-employed and cash-based borrowers welcome.
No Mortgage Insurance
Unlike FHA, PMG's programs have no PMI. Lower monthly payments, more equity in your pocket from day one.
No Prepayment Penalty
Pay off your loan early anytime without penalty. You're not locked in.
21–28 Day Approval
Clear timelines, transparent milestones, and a dedicated team that keeps your file moving.
20+ Years & $250M+ Funded
The nation's most experienced ITIN mortgage lender. Over two decades of closing loans that banks wouldn't touch.
Loan Programs
ITIN Home Loan Programs in Texas
Four programs designed to meet borrowers where they are — from first-time buyers to investment property owners.
Prime 80
Most PopularOur flagship program for well-qualified ITIN borrowers. Full doc, bank statement, or 1099 income. 50% max DTI.
Alt-A
Up to 85% LTVHigher LTV for strong borrowers. CPA-prepared P&L accepted. 60% DTI allowed with compensating factors.
Near Miss
Flexible QualificationFor borrowers who narrowly miss conventional guidelines. Asset depletion and limited P&L accepted.
Alt 90
Lowest Down PaymentOnly 10% down. ITIN only, primary residence. No mortgage insurance. 39% max DTI. The most accessible path to homeownership.
Not a commitment to lend. Subject to credit approval. Programs subject to change. NMLS #2524161. Texas only.
Service Area
ITIN Mortgage Loans Across Texas
We serve ITIN borrowers and loan officers in every major Texas metro — with the highest demand in our core markets.
Dallas–Fort Worth
Core market. Highest volume of ITIN loan closings.
Houston
Second largest market. Strong ITIN borrower community.
San Antonio
Growing market with active ITIN borrower demand.
Austin
Expanding market. Competitive pricing for ITIN buyers.
Got Questions?
Frequently Asked Questions
Everything you need to know about ITIN mortgages in Texas.
Ready to Get Started?
Whether you're buying your first home or looking for wholesale ITIN programs — the #1 Private ITIN Lender is here to help.