ITIN Loans
Home loans for borrowers using an ITIN instead of an SSN.
Overview
ITIN loans are built for borrowers who file taxes with an Individual Taxpayer Identification Number rather than a Social Security number — often non-U.S. citizens and resident aliens — and open a real path to homeownership for people traditional lenders often turn away. We believe in providing financial solutions for everyone and work with you individually to find a program that fits your income documentation and residency situation, for both purchase and refinance.
Who It’s For & What You’ll Need
- A valid ITIN letter issued by the IRS
- Typically two years of tax filings under your ITIN
- Proof of income and employment, which may include alternative documentation
- A larger down payment is common for ITIN programs relative to conventional loans
- Valid government-issued photo identification
- Established credit history, or alternative credit references (rent and utility payment history) when a traditional credit score isn’t available
Benefits
- No Social Security number or permanent residency status required to qualify
- Alternative credit documentation accepted when you don’t have a traditional U.S. credit score
- Available for both home purchases and refinances
- A dedicated originator who explains every step of a process that can otherwise feel unfamiliar
Common Scenarios
- A borrower with years of consistent income and on-time rent payments who has never had a traditional U.S. credit score.
- A family pooling ITIN and SSN income within the same household to qualify for their first home.
- A borrower refinancing an existing ITIN-financed property to a better rate.
Frequently Asked Questions
What exactly is an ITIN?
An Individual Taxpayer Identification Number is issued by the IRS to individuals who need to file U.S. taxes but aren’t eligible for a Social Security number. ITIN loans use this number in place of an SSN during the mortgage application.
Do I need to be a U.S. citizen to get an ITIN loan?
No. ITIN loans are specifically designed for non-U.S. citizens and resident aliens who file taxes using an ITIN instead of a Social Security number.
What if I don’t have a U.S. credit score?
Many ITIN programs accept alternative credit documentation, such as a consistent history of rent, utility, or insurance payments, in place of a traditional credit score.
Can I refinance into a conventional loan later, once I have an SSN or stronger credit?
In many cases, yes — once your documentation and credit profile change, refinancing into a conventional loan may become an option. We can revisit your file at that point.
Related Calculators
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Ready to Move Forward with ITIN Loans?
Start your application, or talk it through with a loan officer first — whichever fits where you are.