ITIN Mortgage
"No Social Security? No problem."
Homeownership is possible with an Individual Tax Identification Number. You don't need a Social Security number to achieve the American dream.
15-20%+
Min Down
660+ (or alternative)
Min Credit
$1.5M
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Have a valid ITIN
- Can document income (tax returns or bank statements)
- 15-20% down payment available
- Building U.S. credit history
- 660+ credit score (or alternative credit)
This Might NOT Be Right If...
- No ITIN (need to apply first)
- Cannot document income
- Very recent arrival with no credit history
- Less than 15% down payment available
ITIN Mortgage Benefits
Everything you need to know about your benefits
ITIN Accepted
No Social Security number required for qualification
American Dream
Achieve homeownership regardless of immigration status
Alternative Credit
Use rent, utilities, and phone payments as credit history
Flexible Documentation
Tax returns or bank statements accepted
Up to $1.5M
Substantial loan amounts available
Expert Guidance
Specialists who understand your unique situation
How It Works
Your path to homeownership in just a few simple steps
Verify Your ITIN
Confirm your ITIN is valid and active with the IRS
Gather Documentation
Collect tax returns or bank statements for income verification
Establish Credit
Provide traditional credit report or alternative credit history
Close on Your Home
Complete the purchase of your new home
Verify Your ITIN
Confirm your ITIN is valid and active with the IRS
Gather Documentation
Collect tax returns or bank statements for income verification
Establish Credit
Provide traditional credit report or alternative credit history
Close on Your Home
Complete the purchase of your new home
What is an ITIN?
Understanding your path to homeownership
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS. It allows individuals without a Social Security number to file taxes and qualify for mortgages.
IRS Issued
Official 9-digit number from the IRS for tax purposes
For Tax Filing
Allows you to file federal taxes and build financial history
Enables Homeownership
Qualifies you for mortgage programs designed for ITIN holders
Income Documentation Options
Multiple ways to verify your income
ITIN Tax Returns
- 2 years of ITIN tax returns
- Filed with IRS
- Transcripts available
Bank Statements
- 12-24 months statements
- Personal or business accounts
- Average deposits calculated
Employment Verification
- Letter from employer
- Pay stubs (if available)
- Duration of employment
Credit Documentation Options
Traditional or alternative credit accepted
Traditional Credit
- Standard credit report
- 660+ score
- Trade lines on file
If you have established U.S. credit
Alternative Credit
- 12+ months rent payments
- Utility payment history
- Phone/insurance payments
Building credit? This works!
International Credit
- Credit history from home country
- Translated documentation
- Lender-specific programs
Some programs accept this
Don't Have an ITIN Yet?
You can apply for an ITIN through the IRS using Form W-7. Processing takes 7-11 weeks. We can help guide you through the process before starting your mortgage application.
Frequently Asked Questions
Common questions about ITIN Mortgage
Last updated:
What is an ITIN?
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS. It allows people who don't have a Social Security number to file taxes and, importantly, qualify for a mortgage.
Can I get a mortgage with just an ITIN?
Yes! ITIN loans are specifically designed for borrowers without Social Security numbers. You'll need to verify income and credit (traditional or alternative), but the ITIN serves as your primary identification.
What if I don't have traditional credit history?
We accept alternative credit! 12+ months of on-time payments for rent, utilities, phone, or insurance can establish your creditworthiness. Some programs also accept international credit history.
- ITIN loans typically require 15-20% down payment. The exact amount depends on your credit profile and the specific loan program.
- You can use either 2 years of ITIN tax returns filed with the IRS, or 12-24 months of bank statements showing regular deposits.
- The process is similar to traditional mortgages - typically 30-45 days from application to closing. If you need to apply for an ITIN first, add 7-11 weeks for IRS processing.
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Your ITIN Opens Doors
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Or call us directly: (757) 558-2603