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ITIN Loans

ITIN Loans

Homeownership is possible—even without a Social Security number. Our ITIN Loans are tailored for individuals who use an Individual Taxpayer Identification Number (ITIN) to file taxes and want to buy property in the U.S. Whether you’re an undocumented immigrant, non-resident alien, or foreign national, this program helps you secure a home loan with alternative documentation and simplified underwriting.

Want to learn more about how we help non-traditional borrowers achieve homeownership? Visit our About Us page to explore our mission and approach.

Min FICO: 640 Max LTV: 85% Full Doc / 80% Alt Doc

Why Choose Our ITIN Mortgage Program?

  • No SSN required — ITIN accepted for identification
  • Works with alternative documentation: bank statements, pay stubs, tax returns
  • Accepts gift funds for down payment
  • Available for primary residences, second homes, and investment properties
  • DSCR and Alt-Doc programs available for self-employed borrowers
  • Flexible credit tradeline requirements, including non-traditional credit sources

If you’re ready to begin your application, contact our mortgage specialists today for a personalized consultation.

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Program Highlights

  • Loan amounts up to $2.5 million for full doc primary/investment; up to $2 million for second homes
  • Full Doc and Alt-Doc options accepted
  • Eligible property types: single-family homes, 2–4 unit buildings, condos, and non-warrantable condos
  • Purchase, cash-out, or rate-term refinance
  • First-time homebuyer programs available up to $1.5 million
  • Minimum FICO: 640
  • Max LTV: 85% (Full Doc) / 80% (Alt Doc)
  • Up to 50% DTI
  • Not available in all states – contact us for state-specific eligibility
  • 4-year seasoning for housing-related credit events (e.g., foreclosure, short sale)

Frequently Asked Questions (FAQs)

1. Who can apply for an ITIN loan?

Anyone who doesn’t have a Social Security number but files taxes using an ITIN is eligible. This includes undocumented immigrants, international workers, and non-resident aliens living in the U.S.

2. What documents do I need for an ITIN mortgage?

Typical documentation includes:

  • Your ITIN letter

  • Two years of tax returns filed with your ITIN

  • Proof of income (pay stubs or bank statements)

  • Government-issued ID (passport or consular ID)

  • Proof of U.S. residency (e.g., utility bills, lease agreements)

3. What if I don’t have a traditional credit score?

That’s okay. We accept alternative credit sources, including rental history, utility bills, or mobile phone payments, to help you qualify.

4. Can I buy investment properties with an ITIN loan?

Yes. Our ITIN program can be used for primary homes, second residences, and rental properties. Conditions may vary based on loan amount and documentation type.

5. How much do I need for a down payment?

Expect a 10%–20% down payment depending on credit, documentation, and property type. A larger down payment may strengthen your loan approval.

Your Path to Homeownership Starts Here

You don’t need a Social Security number to qualify for a home loan. If you have an ITIN, verifiable income, and a dream of owning property in the U.S., our ITIN mortgage program can help make that dream a reality.

Reach out to our team to get started or ask questions about your eligibility.