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Key Highlights
The Benefits
No Social Security Number Required
Qualify using an eligible ITIN.
Flexible Qualification
Alternative financing solutions are available.
Purchase or Refinance
Options may be available for both home purchases and refinances.
What's Required
Valid ITIN
An eligible Individual Taxpayer Identification Number is required.
Mortgage Qualification
Income, credit, and property requirements apply.
Lender Approval
Program availability varies by lender.
The Ins & Outs
How it Works
ITIN mortgage programs help eligible borrowers purchase or refinance a home using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. These programs are designed for individuals who may not qualify for traditional financing but have established income, credit, and the ability to repay a mortgage.
Through our network of lending partners, ITIN financing may be available for primary residences and other eligible property types. Program options, qualification requirements, and available loan terms vary by lender.
Example Scenario
A borrower has lived and worked in the United States for several years, files taxes using an ITIN, and is ready to purchase their first home. An ITIN mortgage program may provide a path to homeownership through a participating lender.
What is an ITIN mortgage?
An ITIN mortgage is a home loan designed for eligible borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number.
Can I buy a home with an ITIN?
Yes. Many lenders offer ITIN mortgage programs for eligible borrowers who meet the program's qualification requirements.
Can I refinance with an ITIN?
Depending on the lender, ITIN borrowers may have access to refinance options, subject to program guidelines.
Do I need established income to qualify?
Yes. Like most mortgage programs, lenders generally require documentation showing your ability to repay the loan. Income verification requirements vary by lender.
Are ITIN loans available through every lender?
No. ITIN mortgage programs are offered by select lenders, and available loan options vary based on the lender and your qualifications.
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