Buying Texas Property Without A US Credit Score

August 4, 2026

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David Ghazaryan

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TL;DR

For foreign investors interested in Houston or Dallas real estate, here is a summary of the mortgage process:

You can secure a loan using your credit history from your home country without a US Social Security Number.
The process involves working with specialized lenders who require specific documentation to translate and formally verify your international credit report.
A successful closing depends on understanding key aspects like down payment requirements and the legal structure you use for the purchase.

Read the full blog article here: https://www.iqratemortgages.com/blog/how-to-use-foreign-credit-for-texas-investor-loans

Video Transcript:

People believe you need local credit for a Texas property. My name is David Ghazaryan. I make your credit file work. We use a third-party service to verify your home credit. A strong credit history from home earns you a better rate. I structure the loan inside an LLC to protect you. My full analysis is in the article linked in description.

Read Blog Here: https://www.iqratemortgages.com/blog/how-to-use-foreign-credit-for-texas-investor-loans

David Ghazaryan

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