ITIN Mortgage Loan Program
Home Loans for Non-U.S. Citizens Without a Social Security Number
Don’t have a Social Security Number? You can still become a homeowner in the U.S. with our ITIN mortgage loan program. Designed for individuals with a valid Individual Taxpayer Identification Number (ITIN), this loan makes the dream of homeownership possible—even without traditional documentation.
Who Is This Loan For?
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Foreign nationals living in the U.S. with an ITIN
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Immigrants without a Social Security Number
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Self-employed or W2 workers paid under an ITIN
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Families looking to build roots and stability in the U.S.
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Borrowers with limited or no U.S. credit history
Benefits of an ITIN Loan
- No Social Security Number Needed: Apply using your ITIN instead of an SSN.
- Perfect for Non-U.S. Citizens: Ideal for immigrants, undocumented workers, and non-resident aliens with verifiable income and a valid ITIN.
- Flexible Documentation: Qualify using foreign credit, bank statements, or alternative docs—no U.S. credit or tax returns required in many cases.
- Available for Purchases or Refinancing: Buy a home, upgrade, or refinance—even if you’re not a U.S. citizen.
- Build Equity & Credit in the U.S.: Start building long-term wealth and improve your U.S. credit history through homeownership.
ITIN Loan Parameters
- Eligibility: Valid ITIN (no Social Security Number required)
- Loan Purpose: Purchase, rate/term refinance, or cash-out refinance
- Credit Requirements: Minimum credit score of 600+
- Loan Amount: $75,000 – $1,300,000
- Loan-to-Value (LTV): Up to 90% for purchases; up to 80% for refinances
- Down Payment: As low as 15% (may vary based on credit and income)
- Income Verification: Pay stubs, W2s, bank statements, or self-employed documentation
- Property Types: Single-family homes, condos, townhomes, 2–4 unit properties
- Occupancy Types: Primarily for owner-occupied homes (some lenders allow second home or investment)
- Loan Terms: 30-year fixed, 15-year fixed, and ARM options
- Reserves: May require 3–6 months of PITIA
- Prepayment Penalty: Typically none for owner-occupied homes
- Identification: Valid ITIN, passport, consular ID, or government-issued ID accepted
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