ITIN Mortgage Loans
ITIN Mortgage Loans for Non-U.S. Citizens
If you don’t have a Social Security Number but have a valid Individual Taxpayer Identification Number (ITIN), you may still be able to buy a home or refinance an existing property. ITIN mortgage loans are designed for non-U.S. citizens who want access to home financing using their ITIN.
What Is an ITIN Loan?
An ITIN loan is a type of non-QM (non-qualified mortgage) loan that allows borrowers to qualify for a mortgage using an Individual Taxpayer Identification Number instead of a Social Security Number. These loans are ideal for individuals who are working and paying taxes in the United States but are not eligible for a traditional mortgage due to their residency status.
Who Should Consider an ITIN Loan?
This loan option is suitable for:
- Non-U.S. citizens without a Social Security Number
- Individuals who file U.S. taxes using an ITIN
- Foreign nationals working in the U.S. on visas
- Individuals seeking to build credit through homeownership
Key Benefits of ITIN Loans
- No Social Security Number required
- Available for home purchase or refinance
- Flexible credit and income documentation options
- Can help establish or strengthen U.S. credit history
- Access to homeownership for underserved communities
Typical Requirements for an ITIN Loan
- Valid, unexpired ITIN from the IRS
- Two years of consistent tax filing with an ITIN
- Proof of employment or stable income source
- Credit history or alternative credit references
- Down payment typically between 15%–25%
- Identification documents (passport, consular ID, etc.)
Note: Eligibility criteria may vary by lender and all loans are subject to underwriting approval.
FAQ
Self-employed individuals can obtain a bank statement loan against a mortgage by using their bank deposit history instead of tax returns to verify income.
Yes, if you meet the lender’s credit, income, and documentation requirements, you can qualify for a home loan using your ITIN.
Some lenders accept alternative credit references if you don’t have a traditional U.S. credit score.
Yes, many ITIN loan programs offer refinance and cash-out options.
Availability varies by lender and state. Check with us to confirm eligibility in your area.
