🧾 ITIN Mortgage Loans

“Own a home in the U.S. — no Social Security number required.”

📘 What Is an ITIN Loan?

An ITIN loan is a mortgage designed for borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. These loans are often part of non-QM lending and provide home financing for individuals who live, work, and pay taxes in the U.S. but are not U.S. citizens or permanent residents.

✅ Who Is an ITIN Loan For?

  • ✅ Immigrants without a Social Security number

  • ✅ Non-residents or undocumented workers

  • ✅ Foreign nationals with U.S. income

  • ✅ Individuals with valid ITINs and U.S. tax returns

  • ✅ Borrowers with verifiable income and good payment history

🏠 What Can You Use It For?

  • Purchase a primary residence

  • Some lenders allow refinances or cash-out

  • Available for single-family homes, condos, or townhomes

  • Select programs may allow multi-unit (2–4 unit) properties

🧾 Minimum Requirements

Requirement Typical Guidelines
ITIN Number Required in place of SSN
Credit History U.S. credit, alternative credit, or none
Income Verification 2 years of tax returns (Form W-2 or 1099)
Down Payment 10%–30% depending on program and credit
Employment 2 years work history (can be self-employed)
Reserves 1–3 months PITI (sometimes waived)


Note: Guidelines may vary

🔑 Key Benefits

  • No Social Security number required

  • Credit flexibility — use alt credit like rent, utilities, phone

  • Can use W-2, 1099, or self-employment income

  • Loans up to $1M+ in some markets

  • Fixed-rate and adjustable options available

  • Ideal for building generational wealth through homeownership

💬 Common Questions

Can I get a mortgage if I’m undocumented?
Yes — if you have a valid ITIN, file U.S. taxes, and meet income/credit guidelines, homeownership is possible.

What is the down payment requirement?
Expect to put down 10%–30%, depending on credit, income, and loan size.

Do I need a U.S. credit score?
Not necessarily. Many lenders accept alternative credit like rent, utility, and insurance payments.

Can I refinance with an ITIN loan?
Yes — some lenders allow rate/term or cash-out refinancing, though availability is more limited than for purchase.

🔗 Related Pages

🚀 Ready to Buy a Home Using Your ITIN?

You don’t need a Social Security number to own a home. We’ll guide you every step of the way — from pre-approval to closing.

🔵 [Start My ITIN Loan Application]
📞 [Talk to an ITIN Mortgage Specialist]

🔒 Disclosure

This is not a commitment to lend. All loans are subject to underwriting, verification of income, ITIN validation, and program-specific credit and property guidelines. Not all applicants will qualify. Terms and availability vary.

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