ITIN

An ITIN Mortgage Loan is a special home loan program designed for borrowers who do not have a Social Security Number but do have an Individual Taxpayer Identification Number (ITIN). This program makes homeownership possible for non-citizen buyers using their established credit, income, and tax history.

ITIN loans make it possible to buy a home without a Social Security Number. Borrowers can qualify using their ITIN along with documented income, tax returns, and approved credit history.

ITIN loans can be used for primary residences and in some cases second homes or investment properties, depending on the loan scenario.

ITIN borrowers can purchase a home with as little as 3.5% down, which is one of our primary niche products.

Additional options include 10%, 15%, and 20% down, giving buyers flexibility to choose a structure that fits their financial goals.

Lenders evaluate your debt-to-income ratio (DTI) to ensure affordability. Most ITIN programs allow a DTI up to 43–50%, depending on the strength of the overall profile.

Down payment options start at 3.5%, with additional choices at 10%, 15%, and 20% down depending on borrower preference and loan structure.