ITIN Loans
Mortgage program for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number rather than a Social Security number.
ITIN loans exist for borrowers who file taxes with the IRS using an Individual Taxpayer Identification Number instead of a Social Security number. This includes many foreign nationals, certain workers, and other borrowers without a Social Security number who nevertheless have a U.S. tax history.
ITIN programs are a form of non-QM lending; they don't fit into the conventional or government loan boxes. Documentation, credit evaluation, and down payment requirements vary by lender, and the universe of ITIN-friendly lenders is smaller than the conventional space.
We work with multiple ITIN-friendly lenders and can walk you through eligibility, documentation, and what to expect throughout the process.
Specific terms vary by lender, program, and borrower profile. All loans are subject to credit, income, property, and underwriting approval. Not a commitment to lend.
Have a different question? See all mortgage FAQs or get in touch .
Non-qualified mortgages designed for borrowers whose situations don't fit the standard conventional or government underwriting box.
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Mortgage program that lets self-employed borrowers qualify using personal or business bank statements instead of tax returns.
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Mortgages that follow Fannie Mae and Freddie Mac guidelines, with flexible terms for buyers with solid credit and stable income.
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Dive into the possibilities of homeownership — start with a no-obligation, free mortgage quote and see where your future can take you!
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