ITIN Loans
No Social Security number? No problem. If you have an Individual Taxpayer Identification Number (ITIN), you can qualify for a mortgage to buy your home.
El Sueño Americano Es Para Todos
We work with 50+ lenders who offer mortgages to ITIN holders. If you’ve been paying taxes and building credit with your ITIN, you can buy a home. Hablamos español.
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Why Choose ITIN Loans?
Homeownership is possible without a Social Security number.
No SSN Required
Use your ITIN number instead of a Social Security number to apply.
Buy Your Own Home
Stop renting and start building equity in your own property.
Alternative Credit
Use rental history, utility payments, and other non-traditional credit.
Tax Returns Accepted
Your ITIN tax returns demonstrate income and responsibility.
Trilingual Support
We speak English, Spanish, and Portuguese to serve you better.
Fast Processing
We understand ITIN loans and process them efficiently.
What Is an ITIN?
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS to individuals who are required to have a U.S. taxpayer identification number but who do not have, and are not eligible to obtain, a Social Security number.
ITINs are used by:
- Non-resident and resident aliens who file U.S. tax returns
- Spouses and dependents of U.S. citizens and residents
- Spouses and dependents of non-resident visa holders
- Anyone required to file a U.S. tax return
If you have an ITIN and have been filing taxes, you may qualify for a mortgage.
ITIN Loan Requirements
Valid ITIN
Current, valid ITIN number issued by the IRS.
Tax Returns
2 years of tax returns filed with your ITIN showing income.
Down Payment
15-20% down payment typical. Some programs at 10%.
Credit History
Traditional or non-traditional credit (rent, utilities, phone bills).
Employment
Stable employment history. Self-employed borrowers welcome.
Property Type
Primary residence. 1-4 unit properties eligible.
Documents You’ll Need
Gather these documents to start your application.
ITIN Letter
Your IRS ITIN assignment letter (CP565 or similar).
Tax Returns
Last 2 years of federal tax returns with all schedules.
Bank Statements
2-3 months of bank statements showing down payment funds.
Employment Proof
Pay stubs, employment letter, or business documents if self-employed.
Valid ID
Passport or consular ID (Matrícula Consular accepted by some lenders).
Credit References
Rent payment history, utility bills, phone bills (12+ months).
Solicite Su Préstamo ITIN
Apply for your ITIN home loan today.
Su Casa Lo Espera
Your home is waiting. No SSN required — just your ITIN and your dream.