professionals
Work with lenders offering ITIN loans—designed for borrowers without a Social Security number but who want to buy a home in the U.S.
professionals
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What is an ITIN mortgage loan?
An ITIN mortgage loan is for individuals who do not have a Social Security number but have an Individual Taxpayer Identification Number and want to purchase a home.
Who qualifies for an ITIN mortgage loan?
Borrowers must have an ITIN, proof of income, a valid ID, and typically a larger down payment. Lenders may have flexible documentation requirements.
Do ITIN loans require a large down payment?
Yes, many ITIN loans require 10%–20% down due to the higher risk and limited credit history of applicants.
Are ITIN loans backed by the government?
No, ITIN loans are not government-backed and are offered by private lenders willing to work with non-traditional documentation.