Jaime@mrmortgage.loans
Mon-Fri, 9am-6pm · Se habla español
Loan program
ITIN home loans.
No Social Security number? If you file taxes with an ITIN and have saved for a down payment, you may be able to buy a home. Se habla español.
ITIN
instead of an SSN
10%+
down, typically
1
home you live in, usually
Sí
se habla español
What an ITIN loan is
An ITIN loan is a mortgage for borrowers who have an Individual Taxpayer Identification Number from the IRS instead of a Social Security number. FHA and most conventional loans require a Social Security number, so ITIN borrowers usually buy through a non-QM ITIN program.
If you work, pay taxes and have saved for a down payment, owning a home can be within reach.
Who it fits
- Borrowers who file taxes with an ITIN instead of a Social Security number.
- Self-employed ITIN holders, since some programs can use bank statements.
- Families where one earner has an ITIN and another has a Social Security number.
- Buyers with little traditional credit history.
The basic requirements
| Requirement | What to expect |
|---|---|
| Identification | Your ITIN letter from the IRS and a valid, government-issued photo ID, such as a passport. |
| Income | Usually tax returns filed with your ITIN. Some programs can use bank statements instead. |
| Down payment | More than FHA or conventional, often 10% to 20% or more depending on the program and your credit. |
| Credit | A credit history under your ITIN counts. Some programs also accept other payment history. |
| Property | Usually a home you will live in. Some programs allow other property types. |
| Pricing | Usually higher than conventional, because these are non-QM loans. |
These are typical guidelines. ITIN loans are not government loans, so each lender sets its own rules.
Credit without a long history
Many ITIN borrowers have paid their bills on time for years without building a traditional credit report. Some programs can look at that history directly, such as rent, utility and phone payments, alongside any credit you do have.
What to have ready
- Your ITIN letter from the IRS.
- A valid passport or other government-issued photo ID.
- Your recent tax returns, or bank statements if your program uses them.
- Statements showing your down payment and savings.
- Records of rent and other bills you pay, if you have little credit history.
Common questions
ITIN loans, answered.
Yes. With an ITIN, you may qualify through an ITIN loan program, as long as you meet its income, credit and down payment requirements.
Not always. A credit history under your ITIN counts, and some programs can also look at your rent, utility and phone payment history.
More than with FHA or conventional loans, often 10% to 20% or more depending on the program and your credit.
Some programs allow it, especially for self-employed borrowers.
Sí. Trabajo con clientes en inglés y en español. Elija Español en el formulario y me comunicaré con usted en español.
Next step
See if an ITIN loan fits you.
A one-minute quote request is enough for me to tell you what it takes. Nothing here affects your credit.