Homeownership
Without Barriers.
No Social Security Number? No problem. Our ITIN mortgage programs open the door to homeownership for borrowers who pay taxes and build lives in the United States.
What Sets Our
ITIN Program Apart
No SSN Required
We work with Individual Taxpayer Identification Numbers (ITIN) — no Social Security Number needed to qualify.
Flexible Credit History
We accept alternative credit references including utility payments, rent history, and international credit reports.
Competitive Rates
Access to competitive mortgage rates designed specifically for ITIN borrowers — not the predatory terms you may have been offered elsewhere.
Primary & Investment Properties
ITIN programs available for primary residences, second homes, and investment properties.
Bilingual Support
Our team includes Spanish-speaking loan officers who can guide you through every step of the process.
Fast Pre-Qualification
Receive a pre-qualification decision within 48 hours so you can shop for homes with confidence.
Basic Eligibility
- Valid ITIN number (Individual Taxpayer Identification Number)
- Minimum 2 years of tax returns filed with ITIN
- Proof of income (W-2, 1099, or bank statements)
- Minimum 12 months of rental or mortgage payment history
- Down payment of 10–20% depending on program
- Property must be located in the United States
Frequently Asked
What is an ITIN mortgage?
An ITIN mortgage is a home loan designed for borrowers who have an Individual Taxpayer Identification Number but do not have a Social Security Number. These programs allow non-U.S. citizens to purchase or refinance property in the United States.
Do I need to be a U.S. citizen to qualify?
No. ITIN mortgage programs are specifically designed for non-U.S. citizens, including permanent residents, visa holders, and undocumented individuals who pay taxes using an ITIN.
What down payment is required?
Most ITIN programs require a down payment of 10–20%. The exact amount depends on the loan program, property type, and your overall financial profile.
Can I use an ITIN loan to buy an investment property?
Yes. We offer ITIN programs for primary residences, second homes, and investment properties. Terms may vary by property type.
Your Dream Home Is Within Reach.
Speak with an ITIN mortgage specialist today.