Non-QM
ITIN Loans
A path to homeownership using an Individual Taxpayer Identification Number instead of a Social Security number.
Overview
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) rather than a Social Security number. These loans are designed to help creditworthy borrowers — including those who file taxes with an ITIN — pursue homeownership. With reasonable down payments and documentation requirements, ITIN loans open doors for borrowers who may otherwise have no clear path to financing.
Who It May Fit
Borrowers with an ITIN who file taxes, have stable income, and are looking for a path to homeownership.
Potential Benefits
- Financing available with an ITIN instead of a Social Security number
- Purchase and refinance options
- Available for primary residences
- Credit history built with ITIN may be considered
- Gift funds may be allowed for down payment
Important Considerations
- Larger down payment than conventional (often 10–20%+)
- Proof of income and tax filing history required
- Property and residency requirements apply
- Rates and terms differ from conventional programs
FAQs
Next Step
Talk to Kahren Oxner
Founder & CEO
Connect with Kahren to review eligibility, structure, and next steps.