If you don’t have a Social Security Number but want to buy a home, ITIN loans provide a pathway to homeownership. These mortgage programs are designed for foreign nationals, non-U.S. citizens, and individuals with an Individual Taxpayer Identification Number (ITIN). Flexible qualification requirements and alternative income verification make homeownership possible. Explore your ITIN loan options today!
ITIN loans are mortgage programs designed for non-U.S. citizens and foreign nationals who do not have a Social Security Number but have a valid Individual Taxpayer Identification Number (ITIN). These loans offer financing for homebuyers who live and work in the U.S. but do not qualify for traditional mortgage programs.
ITIN loans are ideal for immigrants, foreign nationals, self-employed workers, and individuals without legal residency status who want to buy a home. If you have an ITIN, steady income, and a down payment, you may qualify for a mortgage even without U.S. citizenship or a Social Security Number.
Unlike conventional loans that require a Social Security Number, ITIN loans allow borrowers to qualify using their ITIN, bank statements, tax returns, and proof of income. Lenders assess financial stability based on employment history, creditworthiness, and down payment amount.
ITIN loans are available as fixed-rate and adjustable-rate mortgages (ARMs). Some lenders offer portfolio loans for borrowers with unique financial situations. These loans can be used for primary residences, second homes, and investment properties, depending on lender guidelines.
ITIN loans provide a homeownership path for non-U.S. citizens who may not qualify for traditional loans. They offer flexible credit requirements, alternative income verification, and competitive loan terms. Borrowers can finance single-family homes, multi-unit properties, and condos.
If you have an ITIN, proof of income, and a down payment, an ITIN loan can help you achieve homeownership. Whether you’re a first-time homebuyer or looking to invest in property, ITIN loans offer an opportunity to secure mortgage financing without a Social Security Number.
We specialize in helping non-U.S. citizens and ITIN holders secure mortgage financing. Our lenders offer customized loan programs designed for borrowers without a Social Security Number, making homeownership more accessible.
From loan pre-qualification to closing, our team ensures a seamless mortgage process with flexible options for foreign nationals, self-employed borrowers, and first-time homebuyers. We work with top lenders offering competitive rates, alternative income verification, and fast approvals.
If you’re looking for an ITIN loan to buy or refinance a home, contact us today to explore your options and take the next step toward homeownership!
Get clear answers to common ITIN loan questions, including who qualifies, required documents, down payment expectations, credit options, pricing considerations, and how ITIN mortgages can help non U.S. citizen borrowers move toward homeownership with confidence.
ITIN loans are mortgage options for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number. These programs are designed for non U.S. citizens and other qualified buyers who file taxes with an ITIN and want to purchase or refinance a home. ITIN mortgages can be used for primary residences and, in some cases, other property types depending on lender guidelines.
ITIN loans can benefit non U.S. citizens, legal residents, and foreign born buyers who earn income, pay taxes using an ITIN, and want a clear path to homeownership. They can also be helpful for borrowers who have strong income and savings but do not have a Social Security number. Eligibility depends on documentation, credit, and affordability, not nationality alone.
Not always. Some lenders offer non U.S. citizen mortgage programs that allow qualifying with an ITIN or other acceptable documentation. Requirements vary by lender and program, and documentation is usually more detailed than standard loans. A quick review of your status, income, and available documents can confirm which options you may qualify for.
Most ITIN mortgage programs require proof of identity, ITIN documentation, two years of tax returns or income verification, bank statements, and proof of employment or business income. Lenders may also request residency documentation, a credit history, or alternative credit references such as rent, utility, or insurance payment history. Documentation needs vary based on your income type.
Often yes. Many ITIN loan programs require a higher down payment than conventional mortgages, though exact amounts depend on credit profile, reserves, and the property. A larger down payment can strengthen approval and may improve pricing. Clear documentation and strong savings can also help secure better terms.
They can be. ITIN loans may have higher rates or fees compared to conventional loans because they involve additional underwriting and documentation requirements. Pricing depends on credit, down payment, reserves, income stability, and loan type. Comparing options helps ensure you choose a program that is affordable and sustainable long term.
Yes. Many borrowers refinance later when their credit profile strengthens or when they become eligible for additional loan programs. Refinancing depends on equity, income, credit, and current guidelines. Having a long term plan from the beginning helps ensure your mortgage supports future flexibility and better options as your situation evolves.
