For many hardworking individuals and families, a Social Security number is not available — but a path to homeownership still can be.
ITIN loans are a Non-Qualified Mortgage (Non-QM) program that allows eligible borrowers to finance a home using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. For borrowers who file taxes with an ITIN, this program can open doors that otherwise remain closed.
Who qualifies?
ITIN loan borrowers typically need:
- A valid ITIN with a history of tax filing
- Stable, verifiable income
- A down payment (often 10–20% or more)
- Proof of residency
What documentation is required?
Documentation typically includes ITIN documentation, two years of tax returns filed with the ITIN, proof of income, bank statements, and residency documentation. Alternative credit history may be considered — a traditional FICO score is not always required.
What to expect
ITIN loans have different rates, terms, and requirements than conventional programs. Property must be a primary residence, and the program is not available in all areas.
If you or someone you know is exploring homeownership with an ITIN, the most important first step is a conversation with a loan officer who understands this program. We will explain the requirements clearly — in your preferred language — and help you understand whether this path is available to you.
Homeownership should be understood, not just achieved. We are here to help.
