Heritage Housing Corporation · In-House Bank · 14 Dealerships Across TX, OK, LA, GA, NC
Every bank told you no. We built our own.
Heritage Housing has its own bank. We approve ITIN holders, self-employed workers, and buyers other lenders won't touch — and we can close in 3 days.
You've been told no before
Every bank has the same checklist.
If your life doesn't fit it, they say no. Heritage built a different checklist.
The standard lender checklist
Heritage built its own bank because the existing ones don't work for the people who actually need a home. ITIN instead of SSN. Bank statements instead of tax returns. No escrow. Three days to close. That's a different checklist.
The difference
Four things Heritage does that nobody else will.
01 · ITIN
ITIN instead of SSN
Millions of buyers are locked out of traditional lending because they don't have a Social Security number. That's not a financial problem — it's a lender problem. Heritage's bank solves it.
No SSN required02 · Income
Bank statements, not tax returns
Self-employed. Seasonal. Commission-based. Your income is real — even if it doesn't show up on a W-2. If the money shows up in your account, that counts at Heritage.
Self-employed welcome03 · Escrow
No insurance escrow
Standard lenders fold insurance into your monthly payment — adding $100 to $200 every single month. Heritage doesn't require it. That's real money back in your pocket every month you own the home.
Save up to $200/mo04 · Paperwork
One DocuSign, start to finish
Sign once at the front. Sign once at close. That's it. No stack of forms, no second trip to the office. The whole transaction is digital — and it can be done in as little as 3 days.
Close in 3 daysHow it works
Three steps. 3/7 Days.
Heritage's process is designed to move fast and feel simple. Here's what to expect.
1
Tell us a little about yourself
Name, phone, zip, and how you earn your income. That's all we need to get started. No SSN required at this stage. Four fields and you're in.
2
We review and get back to you
A Heritage consultant calls you — often same day. They walk through what you qualify for, what your payment would look like, and which homes fit your situation. A real conversation, not a callback from a call center.
3
Pick your home, sign once, get your keys
Visit your nearest Heritage dealership. Walk the lot. Find the right fit. Sign your DocuSign. In as little as 3 to 7 days, you're a homeowner.
What a one-week close actually looks like
Monday
Submit your info — four fields. Heritage reviews same day.
Tuesday
Consultant calls you. You know what you qualify for before lunch.
Wednesday
Visit the dealership. Walk the lot. Find the home that fits.
Thursday
DocuSign. One signature. Process confirmed.
Friday
Keys. You own a home.
Timeline varies by credit situation and home selection. Ask your consultant for specifics.
Get started
See what you qualify for.
Fill out the fields. A Heritage consultant calls you — often on the same day — with a straight answer about what you qualify for.
- ITIN accepted — no SSN needed to apply
- Self-employed, gig workers, contractors welcome
- No tax returns required — bank statements only
- No commitment — just a real conversation
Common questions
Eligibility questions. Straight answers.
Do I need a Social Security number?
No. Heritage's in-house bank accepts ITIN numbers. You do not need an SSN to apply, qualify, or close. This is one of the only home financing programs in the country that works this way.
What if I'm self-employed?
Bank statements are enough. Heritage doesn't require two years of tax returns, W-2s, or year-to-date profit and loss statements. If the money shows up in your account, that counts.
What credit score do I need?
Heritage looks at the full picture, not just a score. Buyers with non-traditional income, limited credit history, or past financial difficulty have been approved. Walk in and have the conversation before assuming the answer is no.
How long does the whole process take?
Heritage can close in as little as three days from application. One DocuSign at the start, one at close — no paperwork stacks, no weeks of back-and-forth. The timeline depends on your credit situation and home selection.
What does "no insurance escrow" actually mean?
Most lenders fold home insurance into your monthly payment — it's called escrow. Heritage doesn't require it, which means your payment doesn't include that add-on. That's up to $100 to $200 per month that other lenders tack on that Heritage doesn't.
Do I need an appointment to visit a dealership?
No. Walk in anytime. Heritage has 14 dealerships across TX, OK, LA, GA, and NC. Every consultant is trained to sit down with you, run your numbers, and answer every question — no appointment, no pressure, no runaround.
The homes
The financing is the hook. The home is the payoff.
Real countertops, real cabinet space, gutters standard on every home. Features competitors charge extra for.
Real countertops
Standard. No upgrade fee.
Furniture-friendly layout
Standard. No upgrade fee.
Gutters on every home
Standard. No upgrade fee.
Real cabinet space
Standard. No upgrade fee.