New To Country Mortgage in Texas? We Can Help.

Solutions

NMHL is a licensed Texas lender specializing in helping borrowers overcome new to country mortgage. Get expert guidance and personalized solutions.

We Understand What You're Going Through

Millions of immigrants and foreign nationals living in the United States want to buy homes but face barriers due to lack of US credit history, unfamiliarity with the mortgage process, and misconceptions about eligibility. Specialized programs including ITIN loans, foreign national mortgages, and alternative credit documentation paths make homeownership achievable for newcomers to America.

No US credit history in Texas
Denied due to immigration status in Texas
Confused about ITIN vs SSN requirements in Texas
ITIN loan programs help immigrants buy homes without a Social Security Number.

Homeownership is achievable regardless of how long you have been in the US.

You're Not Alone in This

Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

Mortgage advisor helping client find solutions

Solutions for New To Country Mortgage in Texas

NMHL offers multiple pathways to homeownership for Texas borrowers.

ITIN Loans

Mortgage programs that accept an Individual Taxpayer Identification Number instead of a Social Security Number. ITIN loans use alternative credit documentation and typically require 10-20% down payment with proof of income through tax returns.

No SSN required Alternative credit accepted 10-20% down payment

Foreign National Loans

Designed for non-permanent residents including work visa holders. These programs evaluate international credit history, employment authorization, and financial stability to qualify borrowers who may not have extensive US credit profiles.

Work visa accepted International credit considered Multiple visa types eligible

Alternative Credit Programs

Non-QM lenders who accept alternative forms of credit verification including rental history, utility payments, and international credit reports. These programs are designed for borrowers building their US financial presence.

Rental history counts Utility payments accepted International credit used

Your Path to Homeownership in Texas

A simple, guided process from start to finish.

1

Free Consultation

Speak with a licensed loan officer about your situation

2

Explore Your Options

We identify the best loan programs for your needs

3

Get Pre-Approved

Submit a quick application with no credit impact

4

Close with Confidence

Dedicated support through closing day

Couple reviewing mortgage documents with advisor

Every Situation Has a Solution

Our team specializes in finding the right path forward, no matter your circumstances

Get Your Free Assessment

See What You Qualify For

Complete your mortgage application in minutes — no login required, no credit impact

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What Our Clients Say

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Prefer to Talk to Someone?

Call (855) 513-2749 to speak directly with a licensed Texas loan officer about your situation. Free consultation, no obligation.

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New To Country Mortgage in Texas - FAQs

Yes. NMHL is licensed in Texas and specializes in helping immigrants and foreign nationals purchase homes. Whether you have an ITIN, work visa, or green card, our Texas loan officers can identify programs that fit your documentation and financial situation.

ITIN holders in Texas have access to NMHL's ITIN loan programs that accept alternative credit documentation and tax returns filed with an ITIN. These programs typically require 10-20% down and proof of at least two years of US tax filings. Contact NMHL for program details specific to Texas.

Texas Mortgage Resources

All Texas Mortgage Programs

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FHA Loans in Texas

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VA Loans in Texas

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Conventional Loans in Texas

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Get Help with New To Country Mortgage in Texas

Speak with a licensed Texas loan officer today. Free consultation, no obligation.