Home financing in Hays County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Hays County line, but 5 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Hays County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
Based elsewhere, with a member-facing office inside the Hays County line. You can walk in.
- A+ Credit UnionPersonal · Home · Business capital
- Government Employees Credit UnionPersonal · Home
- Greater Texas Credit UnionPersonal · Home · Business capital
- Security Service Credit UnionPersonal · Home · Business capital
- University Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Hays County is one of the fastest-growing counties in Texas, stretching from Kyle and Buda up through San Marcos and into the Hill Country. Whether you're buying your first home, investing in a rental property, or building equity as a solo contractor, this guide walks you through the financing options that actually serve this region — including local credit unions, ITIN-friendly lenders, community development lenders, and Texas-specific programs. Federal loan programs are available here, but the local intermediary layer is where most Hays County residents get the real help they need. Take your time, compare options, and never feel pressured to sign anything you don't fully understand.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN HAYS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN HAYS COUNTY →108TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.182 institutions fund home financing inside Texas county lines.OPEN THE STATE →
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