Marcus Wright Mortgage
Español (682) 403-3406 Apply now
Self-employed & other income

ITIN mortgage

The short answer An ITIN is a taxpayer identification number, and some lenders accept it within specific mortgage programs. Having one does not settle eligibility: your income, credit history, funds, the property and the program's own rules are still reviewed. Rules differ from one lender to the next, so ask Marcus about current options.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You file taxes with an ITIN and want to buy a home.
  • You have steady income you can document over time.
  • You would like to go through the process in Spanish.

Tradeoffs to weigh

  • ITIN programs are offered by certain lenders, not every lender or agency.
  • Terms and documentation rules can differ from standard loan programs.
  • Program availability changes, so current options need to be checked for your situation.

What to have ready

  • How you're paid and how long you've had your income.
  • Recent tax returns filed with your ITIN.
  • Any credit or payment history you have.
  • Rough savings for the down payment and closing costs.
  • The type of home and area you're looking at.
  • Don't send documents by email or chat; Marcus sends a secure link when it's time.

Questions people ask

Does having an ITIN mean I will get a loan?

No. An ITIN is one part of identifying an eligible borrower under a particular program; the rest of the file still has to meet that program's rules.

Can I complete the process in Spanish?

Yes. Marcus serves clients in Spanish and gives the same complete explanations and secure next steps.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my applicationTalk to Marcus

Related topics

Bank-statement mortgage Profit-and-loss (P&L) mortgage 1099-income mortgage Asset-depletion or asset-qualifier mortgage Medical-professional mortgage Mortgage with tip income See the loan programs All topics
Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.

I aim to get back to you within a few working hours, often sooner.

Tell me about your loan