If you don’t have a Social Security Number but want to buy a home, ITIN loans provide a pathway to homeownership. These mortgage programs are designed for foreign nationals, non-U.S. citizens, and individuals with an Individual Taxpayer Identification Number (ITIN). Flexible qualification requirements and alternative income verification make homeownership possible. Explore your ITIN loan options today!
ITIN loans are mortgage programs designed for non-U.S. citizens and foreign nationals who do not have a Social Security Number but have a valid Individual Taxpayer Identification Number (ITIN). These loans offer financing for homebuyers who live and work in the U.S. but do not qualify for traditional mortgage programs.
ITIN loans are ideal for immigrants, foreign nationals, self-employed workers, and individuals without legal residency status who want to buy a home. If you have an ITIN, steady income, and a down payment, you may qualify for a mortgage even without U.S. citizenship or a Social Security Number.
Unlike conventional loans that require a Social Security Number, ITIN loans allow borrowers to qualify using their ITIN, bank statements, tax returns, and proof of income. Lenders assess financial stability based on employment history, creditworthiness, and down payment amount.
ITIN loans are available as fixed-rate and adjustable-rate mortgages (ARMs). Some lenders offer portfolio loans for borrowers with unique financial situations. These loans can be used for primary residences, second homes, and investment properties, depending on lender guidelines.
ITIN loans provide a homeownership path for non-U.S. citizens who may not qualify for traditional loans. They offer flexible credit requirements, alternative income verification, and competitive loan terms. Borrowers can finance single-family homes, multi-unit properties, and condos.
If you have an ITIN, proof of income, and a down payment, an ITIN loan can help you achieve homeownership. Whether you’re a first-time homebuyer or looking to invest in property, ITIN loans offer an opportunity to secure mortgage financing without a Social Security Number.
We specialize in helping non-U.S. citizens and ITIN holders secure mortgage financing. Our lenders offer customized loan programs designed for borrowers without a Social Security Number, making homeownership more accessible.
From loan pre-qualification to closing, our team ensures a seamless mortgage process with flexible options for foreign nationals, self-employed borrowers, and first-time homebuyers. We work with top lenders offering competitive rates, alternative income verification, and fast approvals.
If you’re looking for an ITIN loan to buy or refinance a home, contact us today to explore your options and take the next step toward homeownership!
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
An ITIN loan is a mortgage designed for non-U.S. citizens, foreign nationals, and individuals without a Social Security Number. Instead of requiring an SSN, lenders accept an Individual Taxpayer Identification Number (ITIN) along with proof of income, employment, and credit history to determine eligibility.
ITIN loans do not require a Social Security Number or permanent residency. Instead, they allow borrowers to qualify using alternative credit and income verification. While conventional loans follow strict underwriting guidelines, ITIN loans offer greater flexibility for non-citizen borrowers.
Borrowers must have a valid ITIN, proof of income, and a down payment. Lenders typically require:
No. ITIN loans are available to foreign nationals and non-U.S. citizens who do not have a green card or visa. As long as the borrower has a valid ITIN and proof of income, they may qualify.
Most lenders require a minimum credit score of 600, but some accept alternative credit history, such as rental payment records, utility bills, and bank statements if a borrower does not have a traditional credit score.
ITIN loan down payment requirements typically range from 10% to 20%, depending on the lender and borrower’s credit profile. A larger down payment may improve loan approval chances and lower interest rates.
Yes! Some lenders allow ITIN loans for rental properties and real estate investments. However, borrowers purchasing primary residences often receive better loan terms and lower down payment options.
ITIN loans generally have slightly higher interest rates than conventional loans due to the increased lending risk. However, borrowers with strong financials, a larger down payment, and good credit history can secure competitive rates.
Yes! ITIN borrowers who have built equity in their home can refinance to lower their interest rate, adjust loan terms, or access cash through a cash-out refinance.
Loan amounts vary by lender, but ITIN loans typically range from $150,000 to $2 million, depending on borrower qualifications and the property type. Some lenders offer jumbo ITIN loans for high-value properties.
Yes! Self-employed individuals can qualify using bank statements, business tax returns, and profit-and-loss statements instead of W-2s or traditional income verification.
Yes! ITIN loans are a great option for first-time homebuyers who do not have a Social Security Number but have a steady income and a down payment. Some lenders offer first-time buyer programs with lower down payment options.
If you don’t qualify for an ITIN loan, consider:
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