Your Journey
A Path to Homeownership With an ITIN
A Social Security number is not the only path to home financing. We help qualified borrowers explore ITIN mortgage options.
An Overview
For many hardworking individuals and families, a Social Security number is not available — but a path to homeownership still can be. Our loan officers help qualified borrowers with an Individual Taxpayer Identification Number (ITIN) explore mortgage options designed for their situation. We explain documentation, down payment, property, and residency requirements clearly — and guide you through every step with respect and transparency.
Common Goals
- Understand ITIN loan requirements and documentation
- Determine if you qualify based on tax filing history and income
- Prepare your documentation for a smooth application
- Connect with a bilingual loan officer where available
- Navigate the path from pre-qualification to closing
What to Expect
- A respectful, no-pressure conversation about your situation
- Clear explanation of ITIN loan requirements
- Bilingual support where available
- Honest guidance — no guarantees, just a real path forward
The Path Forward
Talk With a Specialist
Share your situation with a loan officer who understands ITIN financing — in your preferred language.
Gather Documentation
We help you prepare your ITIN, tax returns, income proof, and residency documentation.
Pre-Qualify
We review your documentation and determine which programs may be available to you.
Apply and Close
We guide you through application, approval, and closing — with clarity at every step.
Specialists in This Journey
4.99(176)GoogleZillowKahren Oxner
Founder & CEO
Kahren founded One Eleven Mortgage to provide clients and realtor partners with unmatched options and a personal, boutique experience. With years of experience across conventional, government, and Non-QM lending, she specializes in complex scenarios — investors, self-employed borrowers, and ITIN financing.
Next Step
Ready to Move Forward?
Connect with Kahren who understands this journey and can help you evaluate your options.