ITIN Mortgage Loans
A Path to Homeownership Without a Social Security Number
Homeownership should be accessible to everyone—including those who don’t have a Social Security number. That’s where the ITIN Mortgage Loan comes in. If you have an Individual Taxpayer Identification Number (ITIN), you may qualify for a full documentation loan program designed to help you purchase or refinance a primary residence.
What Is an ITIN Loan?
An ITIN loan is a non-QM mortgage designed for borrowers who do not possess a Social Security number but are otherwise financially qualified. These borrowers typically have an ITIN card issued by the IRS and can demonstrate financial stability and responsibility through alternative means.
Who Is It For?
- Borrowers with ITIN cards
- Foreign nationals or non-U.S. citizens
- U.S. residents without a Social Security number
- Individuals with full documentation but outside traditional loan guidelines
Loan Program Highlights
| Feature | Details |
| Max Loan Amount | Up to $2.5 million |
| Minimum Loan Amount | $125,000 |
| Credit Score Requirement | Minimum 640 FICO |
| Maximum Loan-to-Value (LTV) | Up to 75% (25% down payment minimum) |
| Property Type | Primary residence only |
| Loan Purpose | Purchase, Rate/Term, or Cash-Out Refi |
| Max Debt-to-Income (DTI) Ratio | Up to 50% |
| Eligible Properties | SFD, 2-4 unit, Condos, Non-warrantable condos allowed |
| Seasoning – Foreclosure/Short Sale/Deed-in-Lieu | 1 year |
| Seasoning – Bankruptcy | 2 years (Chapter 13 filing date OK) |
Note: Mortgage guidelines are subject to change. Not available in all states—please consult your loan advisor.
Documentation Requirements
While this is a full documentation loan, the exact paperwork you’ll need depends on your individual situation. A loan officer will guide you through the process and advise you on what’s required—commonly including:
- Valid ITIN card
- Proof of income (paystubs, bank statements, tax returns)
- Valid government-issued ID
- Proof of residency
Gift Money Rules
- The borrower must have 5% down payment of their own funds + 3 months of the total monthly payment in cash reserves of their own funds. Then the rest can be gift money.
Why Choose an ITIN Loan?
✅ Homeownership for borrowers without SSNs
✅ Competitive terms and flexible guidelines
✅ Options for recently resolved credit events
✅ Great for well-documented income earners outside traditional systems
Action Steps
🗂️ Gather your documents – ITIN, income records, and ID
📊 Check your credit score – Minimum 640 FICO required
📞 Speak with a loan advisor – Confirm eligibility and state availability
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Don’t Let an SSN Hold You Back
If you’re working, saving, and ready to buy a home—but don’t have a Social Security number—this loan could be the key to your future.
Connect with us today to learn more or begin your application: Schedule A Call. Or begin your pre-approval process for this loan option.