VOE means Verification of Employment. It is used to confirm employment details as part of the loan review.

Is a VOE only mortgage the same as a bank statement loan

No. Bank statement loans typically use deposits to calculate income. VOE programs may focus more on employment verification and ability to repay based on the lender guidelines.

Can gig workers and contractors qualify

Possibly. Gig workers, contractors, and self employed borrowers may have options depending on the lender program, credit profile, and documentation available.

Do you offer VOE only loans in Lewisville TX

Yes. Liberty Home Mortgage helps borrowers in Lewisville (75056), Denton County, and across Texas review VOE only loan options.

Use the Apply Now link or call or text 713-955-4685 to review your scenario and next steps.

What is the minimum credit score for an ITIN home loan

The minimum credit score for this ITIN program is 660, subject to underwriting review and program guidelines.

How much can I borrow with an ITIN loan

ITIN loan amounts may be available up to $1.5 million depending on the full loan scenario and program limits.

How much down payment is needed for an ITIN purchase

Purchase financing may be available up to 85% LTV in eligible scenarios. The required down payment depends on program rules, credit, and property details.

Can I do an ITIN cash-out refinance

Yes. ITIN cash-out refinance may be available up to 80% LTV in eligible scenarios, subject to underwriting approval and program guidelines.

Are ITIN loans assumable

Most ITIN loans are not assumable and generally must be paid off when the home is sold, subject to lender terms.

ITIN Home Loans in Lewisville, TX

Liberty Home Mortgage helps borrowers in Lewisville (75056) and Denton County explore ITIN home loan options (program dependent). ITIN stands for Individual Taxpayer Identification Number. Some lenders offer loan programs that may allow qualified borrowers to apply using an ITIN instead of a Social Security number, depending on the borrower profile, documentation, and underwriting.

Proudly serving Lewisville (75056), Denton County, and borrowers across Texas.

✅ Apply Now • 📞 Phone & Text: 713-955-4685 • ✉️ info@libertyhomemortgage.com

What an ITIN Home Loan Is

An ITIN home loan is a mortgage program that may be available for qualified borrowers who file taxes using an ITIN (program dependent). Underwriting typically reviews credit history, income documentation, assets, down payment, reserves, and overall ability to repay. Guidelines vary by lender and lender overlays may apply.

Program guidelines vary by lender. All loans are subject to underwriting approval.

Common ITIN Loan Highlights

Exact terms vary by lender and scenario. ITIN programs may include items such as (program dependent):

Purchase and refinance options depending on lender rules
Income documentation that varies by lender (for example, paystubs/W-2 style docs, tax returns, or alternative documentation in some scenarios)
Down payment and reserve requirements that may differ from standard agency programs
Credit history requirements that vary (some lenders may accept alternative credit, depending on the program)
Property type and occupancy requirements that vary by lender

Who This Loan May Be For

Borrowers who file U.S. taxes using an ITIN
Borrowers with consistent income and documentable ability to repay
Borrowers who do not qualify under standard agency documentation rules (program dependent)

What Is Usually Required

We start with a simple review, then request what the lender needs. Common requirements may include (program dependent):

Valid ITIN documentation and identity documents (as required)
Income documents based on your situation (varies by program)
Bank statements showing funds for down payment and closing costs
Credit review and housing history
Purchase contract (for purchase) or current mortgage statement (for refinance)

Here are related loan programs you can compare (eligibility and program rules apply):

Related Programs

Compare these related purchase and alternative documentation options:

Frequently Asked Questions

Do ITIN loans require a Social Security number?

Some ITIN programs may allow applying with an ITIN instead of a Social Security number, but requirements vary by lender and scenario (program dependent).

What documents do I need for an ITIN home loan?

It depends on the program. Many lenders review identity documents, ITIN documentation, income proof, assets, and credit/housing history (program dependent).

Can I buy a home in Lewisville with an ITIN?

Possibly. We review the property type, occupancy, and your documentation to match the right lender option (program dependent).

Do ITIN loans have different down payment requirements?

Often yes. Many ITIN programs have different down payment and reserve requirements compared to standard agency loans. Exact terms vary by lender (program dependent).

Is an ITIN loan the same as a bank statement loan?

No. Bank statement loans focus on deposits and business cash flow, while ITIN loans focus on eligibility to apply using an ITIN and the lender’s documentation rules. Some borrowers may compare both options depending on their income type (program dependent).

Equal Housing Lender 🏠⚖️
Company NMLS: 321164 • Aslam Mansoor NMLS: 184238
Liberty Home Mortgage • 4400 State Hwy 121 STE 300 • Lewisville, TX 75056

All loans are subject to underwriting approval and credit review. Some restrictions may apply. Programs, rates, and terms are subject to change without notice.