Purchase or refinance a home in the United States without a Social Security number. These specialized loan programs help non-citizens and ITIN holders access financing with flexible options and expert guidance every step of the way.
ITIN loans are mortgage programs designed for non-U.S. citizens and foreign nationals who do not have a Social Security Number but have a valid Individual Taxpayer Identification Number (ITIN). These loans offer financing for homebuyers who live and work in the U.S. but do not qualify for traditional mortgage programs.
ITIN loans are ideal for immigrants, foreign nationals, self-employed workers, and individuals without legal residency status who want to buy a home. If you have an ITIN, steady income, and a down payment, you may qualify for a mortgage even without U.S. citizenship or a Social Security Number.
Unlike conventional loans that require a Social Security Number, ITIN loans allow borrowers to qualify using their ITIN, bank statements, tax returns, and proof of income. Lenders assess financial stability based on employment history, creditworthiness, and down payment amount.
ITIN loans are available as fixed-rate and adjustable-rate mortgages (ARMs). Some lenders offer portfolio loans for borrowers with unique financial situations. These loans can be used for primary residences, second homes, and investment properties, depending on lender guidelines.
ITIN loans provide a homeownership path for non-U.S. citizens who may not qualify for traditional loans. They offer flexible credit requirements, alternative income verification, and competitive loan terms. Borrowers can finance single-family homes, multi-unit properties, and condos.
If you have an ITIN, proof of income, and a down payment, an ITIN loan can help you achieve homeownership. Whether you’re a first-time homebuyer or looking to invest in property, ITIN loans offer an opportunity to secure mortgage financing without a Social Security Number.
We specialize in helping non-U.S. citizens and ITIN holders secure mortgage financing. Our lenders offer customized loan programs designed for borrowers without a Social Security Number, making homeownership more accessible.
From loan pre-qualification to closing, our team ensures a seamless mortgage process with flexible options for foreign nationals, self-employed borrowers, and first-time homebuyers. We work with top lenders offering competitive rates, alternative income verification, and fast approvals.
If you’re looking for an ITIN loan to buy or refinance a home, contact us today to explore your options and take the next step toward homeownership!
If you plan to apply using an ITIN, start with the lender's document requirements and total costs. Programs differ, so a specific review is essential.
An Individual Taxpayer Identification Number is a federal tax identifier. Some mortgage programs accept it as part of their requirements. It does not grant immigration status or work authorization, and it does not establish that a mortgage application will be approved.
Expect a program-specific review of identity, income, credit, funds and the property. Ask for a written checklist and which records need translation or additional verification, if relevant. Providing the identifier alone is not a complete application.
No. Lenders set different requirements for their products, and the property use and overall application can matter. Obtain the actual down payment, closing costs and reserve figures. An advertised minimum should not be treated as your final cash requirement.
Some programs accept self-employed applicants under their documentation rules. Explain the business and provide the requested records honestly. The lender needs a supportable qualifying-income calculation, which may differ from your deposits or gross sales.
Only if the program permits the particular source and its documentation conditions are met. Ask before transferring money, and retain evidence of ownership, gifts when eligible, and transfers. Funds appearing in an account do not automatically establish an acceptable source.
Start with a general inquiry to Bianca about the property and financing need. Then use the lender’s designated secure application or upload method for identity and account documents. Compare the written rate, fees and payment schedule before selecting an available program.
Information checked September 6, 2026. Sources: IRS: What an ITIN does and does not do · CFPB: Comparing loans.
