WHAT IS AN ITIN LOAN?
An ITIN (Individual Taxpayer Identification Number) loan allows borrowers without a Social Security Number to qualify for a mortgage. It’s designed for individuals who pay taxes using an ITIN and want to purchase or refinance a home.
ITIN
LOAN OVERVIEW:
An ITIN loan provides a valuable path to homeownership for borrowers who do not have a Social Security Number but do have a valid Individual Taxpayer Identification Number (ITIN) issued by the IRS.
These loans are ideal for non-U.S. citizens, undocumented individuals, or others who live and work in the U.S. and can provide verifiable income, credit history, and financial documentation. Borrowers may be eligible for flexible terms and competitive rates, with loan amounts available up to $1.5 million.
ITIN loans help expand access to credit for an underserved segment of borrowers, offering an alternative financing option that supports long-term homeownership and financial growth — even without traditional residency status.
PROGRAM BENEFITS
- Available to borrowers using an ITIN — no SSN required
- Loan amounts up to $1.5 million
- Super Prime option: FICO 660 with up to 80% CLTV
- DSCR option: FICO 700 with up to 70% CLTV
- Available for primary residences, second homes, and investment properties
- Flexible income types and documentation accepted
REQUIREMENTS
- Must provide a valid ITIN issued by the IRS
- Minimum FICO: 660 or 700 depending on program
- Proof of income and employment required (W-2, tax returns, or P&L)
- Down payment of 20–30% depending on credit tier
- Cash reserves may be required
- Available for both purchases and refinances
LOAN OPTIONS:
ITIN loans offer a path to homeownership for borrowers who do not have a Social Security Number but have established credit and verifiable income through an Individual Taxpayer Identification Number (ITIN).
This program is ideal for first-time buyers, self-employed individuals, or long-time U.S. residents looking to refinance — even if they don’t meet traditional residency documentation standards.
Borrowers can access competitive terms, flexible qualification guidelines, and loan amounts up to $1.5 million. With down payment and reserve options similar to other programs, ITIN loans make it possible for more families to enter the housing market and start building equity — no SSN required.
How Do You Qualify for an ITIN Loan?
To get started, reach out to our mortgage team at (213) 810-2091 to see if you qualify with your ITIN.
To be eligible, you’ll need a valid Individual Taxpayer Identification Number, along with verifiable income, a qualifying credit score, and the ability to document your assets and reserves.
Lenders will also review your financial history, employment status, and property type. A down payment of at least 20–30% is typically required, depending on the loan program.
If you’re ready to explore your options without a Social Security Number, our team can walk you through every step of the ITIN loan process.
HOW LOW WILL YOUR PAYMENT BE?