ITIN Home Loans | Flexible Mortgage Options

ITIN Loan Highlights

Potential features for qualifying borrowers — exact terms vary by borrower and selected program.

01

Low Down Payment Options

Qualified borrowers may be able to purchase with approximately 10% down, depending on credit, documentation, occupancy and the specific ITIN program.

02

Flexible Credit

Options may be available for borrowers with established traditional credit as well as borrowers who need to use non-traditional credit history such as rent and utilities.

03

Flexible Income Documentation

W-2 employees, self-employed borrowers and 1099 earners may have multiple ways to document qualifying income, subject to the selected program.

04

Gift Funds Available

Certain programs may allow family gift funds to help with your down payment and closing costs — and some qualified borrowers may be able to use an eligible gift for the entire required down payment.

05

More Than Primary Homes

Depending on the ITIN program, financing may be available for a primary residence, second home or investment property.

06

More Than Purchases

ITIN financing may be available for purchases, rate-and-term refinances and qualifying cash-out refinances.

What Is an ITIN Home Loan?

An ITIN loan is a mortgage designed for borrowers who use an Individual Taxpayer Identification Number issued by the IRS rather than a Social Security number.

Traditional mortgage programs often require documentation that can make financing difficult for ITIN borrowers. ITIN mortgage programs may use different underwriting guidelines designed to evaluate a borrower’s actual ability to repay the loan. That can include reviewing:

Employment history
Income
Bank statements
Rental payment history
Traditional or alternative credit
Assets and down payment
Overall monthly obligations

Every loan is still subject to credit, income, property and underwriting approval.

Who Might an ITIN Loan Be Right For?

An ITIN loan may be worth exploring if you:

Have an Individual Taxpayer Identification Number
Live and work in the United States
Have established employment or self-employment
File U.S. income taxes
Have limited traditional credit history
Have established rent, utility or other payment history
Are self-employed and have difficulty qualifying using tax returns
Receive 1099 income
Have family members willing to help with gift funds
Are a DACA recipient who meets applicable program requirements

Not sure if you fit the guidelines? That’s exactly what we’re here for.

Check My ITIN Loan Options

Several Ways to Qualify Your Income

One of the biggest advantages of our ITIN lending options is that there isn’t necessarily just one way to document income.

W-2 / Wage Earners

Depending on the program, income may be documented using items such as:

Written Verification of Employment
W-2 forms
Pay stubs
Tax returns
Bank statements showing payroll deposits

This can be especially helpful when traditional income documentation doesn’t tell the complete story.

1099 Workers

Certain ITIN programs allow qualifying income to be documented using 1099 income along with supporting documentation.

Self-Employed Borrowers

Being self-employed doesn’t automatically mean you need to qualify using traditional tax-return income. Available ITIN options may include:

12-Month Bank Statements

Qualifying income may be determined by analyzing eligible business or personal bank deposits and applicable business expenses.

Profit & Loss Statement

Certain borrowers may qualify using a professionally prepared 12-month Profit & Loss statement along with supporting bank statements.

Traditional Documentation

Self-employed borrowers may also qualify using tax returns and standard income documentation.

I’m Self-Employed — Show Me My Options

Alternative Credit

Limited Credit History? You May Still Have Options.

You don’t necessarily need years of traditional credit cards and loans to qualify for an ITIN mortgage.

Depending on the program, we may be able to document your payment history using non-traditional credit. Your rental history can be particularly important. Some ITIN options may even be available to borrowers who do not currently have a traditional credit score.

Examples can include:

Rent
Utilities
Auto or installment payments
Insurance
Phone or cable bills
Furniture or appliance payments
School tuition
Childcare payments
Certain documented private loans

How Much Do You Need for a Down Payment?

There isn’t one answer for every ITIN borrower. Programs offer several possibilities depending on your credit profile, documentation and property.

Approximately 10% Down

Qualified borrowers may be eligible for financing with a down payment of approximately 10%, depending on the specific ITIN program. Requirements vary and are subject to underwriting approval.

Gift Funds

Family members may be able to help with the funds needed to purchase your home.

Some ITIN options allow qualified borrowers to receive 100% of the required down payment from an eligible gift donor.

Other ITIN programs require the borrower to contribute a portion of the down payment personally before gift funds can be used. We’ll compare the available options rather than forcing your situation into one program.

What Credit Score Do You Need?

ITIN mortgage credit requirements vary significantly based on the program, down payment and overall loan profile. Available options may include:

640+Some flexible ITIN programs may begin around this level.

660+May provide additional program options.

700+May allow higher financing levels.

740+May qualify for ITIN financing approaching 90% of the home’s value on certain programs.

Don’t Have a Credit Score?

Don’t assume you can’t qualify. Some ITIN programs permit borrowers without a traditional credit score when sufficient alternative credit history can be documented.

Let Us Review My Situation

How Much Can You Borrow?

ITIN programs are available across a wide range of loan amounts. Depending on the specific loan option, available loan amounts can range from approximately:

$130,000 to $999,999+

Loans above standard program limits may also be considered on a case-by-case basis. Your actual maximum loan amount will depend on your income, debts, credit profile, down payment, property and specific ITIN program.

Properties You May Be Able to Finance

Eligible properties can include:

Single-family homes
Townhomes
Planned Unit Developments (PUDs)
Eligible condominiums
Duplexes
2–4 unit properties

Property and occupancy restrictions vary by program.

Depending on the ITIN program, the property may be used as your:

Primary Residence

The home where you live.

Second Home

A qualifying vacation or secondary residence.

Investment Property

Certain ITIN options allow financing for non-owner-occupied residential real estate.

Purchase or Refinance

ITIN mortgages aren’t limited to buying a home. Depending on your qualifications, financing may be available for:

Home Purchase

Buy a new primary residence, qualifying second home or investment property.

Rate & Term Refinance

Replace your existing mortgage to potentially change your interest rate, loan term or mortgage structure.

Cash-Out Refinance

Qualified homeowners may be able to access a portion of their home’s equity through an ITIN cash-out refinance.

Basic ITIN Documentation

Although every loan is different, borrowers should generally expect to provide documentation such as:

Government-issued photo identification

IRS documentation confirming the ITIN

Income and employment documentation

Bank statements

Asset documentation

Housing or rental payment history

Credit documentation when applicable

DACA borrowers may also be eligible subject to applicable identification and program requirements.

Frequently Asked Questions About ITIN Home Loans

Straight answers on ITIN eligibility, down payment, credit, income documentation, and occupancy.

Can I buy a house with an ITIN number?

Yes. Specialized ITIN mortgage programs allow qualified borrowers to purchase residential real estate using an Individual Taxpayer Identification Number instead of a Social Security number.

Do I need a Social Security number?

Not necessarily. These programs are specifically designed to accommodate qualifying borrowers using an ITIN.

Do I need a visa to qualify?

Not necessarily. Eligibility depends on the specific ITIN program and the identification and documentation available.

How much down payment do I need?

Qualified borrowers may have options requiring approximately 10% down. Requirements vary based on credit, income documentation, property type and the specific program.

Can my family give me the down payment?

Gift funds are permitted under certain ITIN programs. Some qualified borrowers may even be able to receive the entire required down payment as eligible gift funds, while other programs require a minimum personal contribution.

What credit score do I need for an ITIN loan?

There isn’t one universal score requirement. Depending on the program, options may be available beginning around 640, while higher financing levels may require scores of 660, 700 or 740.

Can I qualify without a credit score?

Possibly. Certain ITIN programs allow alternative credit documentation when a borrower does not have a traditional credit score.

What counts as alternative credit?

Examples can include documented rent, utilities, insurance, installment loans, telephone bills, tuition and certain other recurring payment obligations.

Can I qualify if I’m self-employed?

Yes. ITIN programs can accommodate self-employed borrowers using traditional documentation, bank statements or certain alternative income documentation.

Can I qualify using bank statements?

Certain self-employed ITIN borrowers may be able to use 12 months of bank statements to establish qualifying income.

Can I qualify using a Profit & Loss statement?

Certain programs allow qualifying self-employed borrowers to use a professionally prepared Profit & Loss statement along with required supporting documentation.

Can I qualify with 1099 income?

Yes. Certain ITIN mortgage options specifically provide income-documentation methods for qualifying 1099 borrowers.

Are DACA recipients eligible?

Certain DACA recipients can qualify subject to applicable ITIN or Social Security number and government-issued identification requirements.

Can I purchase a multi-unit property?

Potentially. Eligible property types can include qualifying 2–4 unit residential properties.

Can I finance an investment property with an ITIN?

Yes. Certain ITIN programs may permit non-owner-occupied residential real estate, subject to program guidelines and underwriting approval.

You’ve Built a Life Here. Let’s Talk About Financing a Home Here.

Getting a mortgage without a Social Security number can feel complicated — but it doesn’t have to start that way. Instead of asking you to determine which ITIN program you qualify for, we’ll do that work for you.

We’ll review your:

Income → Credit → Down Payment → Employment → Property Goals

Then we’ll determine which ITIN financing options may make the most sense for your situation.