Own a home with an ITIN.
A seller-finance path to homeownership, offered in conjunction with Camden Homes, for buyers who file taxes with an ITIN instead of a Social Security number.
A real home, financed by the people who built it.
Traditional mortgage underwriting is built around a Social Security number and a credit file that many hard-working families simply do not have. This program takes a different route: the seller — Camden Homes — finances the purchase directly, so the qualification conversation is about your income and your stability, not a number you were never issued.
You get a deed in your name, a fixed monthly payment, and a home that is new construction rather than someone else’s deferred maintenance. Spero structures the file, explains every document in the language you prefer, and stays with you through closing.
Seller finance vs. a mortgage
- Financed by the seller, not a bank or mortgage lender
- ITIN accepted in place of a Social Security number
- Qualification weighs documented income and stability
- Payment history builds toward refinancing into a conventional loan later
- Terms are set by the seller and can change — confirm current terms with us
Built for the buyers banks keep sending away.
ITIN filers
You pay taxes with an Individual Taxpayer Identification Number and have the documents to prove your income.
Self-employed families
Your income is real but it arrives as cash, contracts, or 1099s instead of a tidy W-2.
Long-time renters
You have paid rent on time for years and have nothing to show for it except receipts.
Gather these and we can move quickly.
Every file is different — this is the usual starting list, not a guarantee of approval.
Documents
- ITIN letter or tax returns showing your ITIN
- Valid government-issued photo identification
- [X] years of income documentation — returns, 1099s, or bank statements
- Proof of down payment funds
- Rental history or landlord references
Good to know
- Down payment expectations start around [X]%
- Co-borrowers and household income can be considered
- A thin or missing credit file does not disqualify you
- Everything can be explained in Spanish
- We will tell you upfront if a deal will not work
Bracketed items above are placeholders. Replace them with Camden Homes’ current program terms before the site goes live — program availability, pricing, and requirements are set by the seller and change over time.
See if the ITIN program fits you.
Answer a few questions and we will come back with a straight answer about whether this path works for your situation. No credit pull, no obligation.
ITIN pre-qualification
Takes about three minutes. Everything you send stays between you and Spero.
The things people ask on the first call.
Do I need a Social Security number?
No. This program is designed for buyers who file taxes with an ITIN. You will still need to document your identity and your income.
Is this a mortgage?
No. It is seller financing offered by Camden Homes. That distinction matters legally and practically, and we walk you through exactly how the paperwork works before you commit to anything.
Does my immigration status matter?
We evaluate your ability to document identity, income, and stability. We do not give legal advice on status — for that, talk to an immigration attorney.
What kind of homes are available?
New construction from Camden Homes in [list the metro areas and communities here].
Can I refinance into a regular mortgage later?
That is often the goal. A consistent payment history helps you build the file a conventional lender wants to see. We will map that path with you at the start.
Can we do this in Spanish?
Yes — from the first phone call through closing. Hablamos español.
Find out what you qualify for.
Send us your situation. We will come back with a straight answer about whether this program fits — and what to do next if it does not.