ITIN Loans
Home financing for borrowers with an ITIN in place of an SSN.
ITIN loans allow borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number to qualify for a mortgage. Underwriting focuses on income stability, credit history, and down payment.
What a ITIN Loan Looks Like
A quick read on who this program fits, what it takes to qualify, and where the money goes - so nothing feels like a surprise.
Who It’s For
Home financing for borrowers with an ITIN in place of an SSN.
- Borrowers filing taxes with an ITIN
- Small business owners without SSN
- Long-time U.S. residents building credit
How You Qualify
Underwriting reviews credit, income, and the property together to build the loan.
- Valid ITIN and two years of tax returns
- Credit history (traditional or alternative tradelines)
- 10%–20% down typical
What It Costs
Plan for 10%–20% down depending on program and credit profile. - Similar 2%–5% range as other non-agency programs.
- Homeownership access without SSN
- Fixed-rate options available
- Primary, second home, and investment options at some lenders
What You’ll Need to Qualify
- Valid ITIN and two years of tax returns
- Credit history (traditional or alternative tradelines)
- 10%–20% down typical
- Steady employment or self-employment history
Have These Ready
- ITIN card / letter
- Two years tax returns
- Two months bank statements
- Photo ID (passport or matrícula)
- Proof of residence
Not Sure If You Qualify Yet?
A licensed loan advisor will walk your numbers with you - no credit pull, no obligation. You’ll leave the call knowing exactly what to fix first.
The Upside - and What to Weigh
Every program has trade-offs. Here’s the honest picture side by side, without the marketing gloss.
Benefits
- Homeownership access without SSN
- Fixed-rate options available
- Primary, second home, and investment options at some lenders
Considerations
- Higher rates than conventional programs
- Fewer lender options
- Down payment expectations are higher
- Borrowers eligible for Social Security-based loans (conventional/FHA usually price better)
- Investment-only buyers - most ITIN programs are owner-occupied
- Buyers with limited documented deposit history
Run the Numbers on a ITIN Loan
Adjust the price, down payment, and rate to see an estimated monthly payment. Great for narrowing the search before you formally apply - a quick preapproval confirms your real numbers.
Estimate only. Taxes, insurance, and PMI vary by location and loan program.
Get Preapproved
From Application to Keys in Typically 30–45 days from application to close.
- 01Apply
Quick online form or a 10-minute call.
- 02Verify
Income, assets, and credit reviewed together.
- 03Appraisal
Property value confirmed for the loan amount.
- 04Close
Sign, fund, and get your keys.
More for ITIN Loans Shoppers
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Run the Numbers
Read up Before You Apply
Free Downloadable Guides
Questions We Hear About ITIN Loans
Can’t find yours here? A licensed advisor can walk through your specific situation in under 15 minutes.
Straight answers, no pressure - email or call directly.
See if a ITIN Loan Fits Your Situation.
A 10-minute preapproval gives you real numbers and a licensed advisor to answer questions - no pressure, no obligation.
