ITIN Loans for Homebuyers

ITIN loans help make homeownership accessible — even without a Social Security Number. The ITIN loan program is a type of home loan available to those who do not have their social security numbers. It is beneficial for people who are not eligible for conventional loans. If you are interested in applying for an ITIN mortgage plan, you will need to provide your ITIN number and other documentation to prove that you are eligible for this mortgage. The mortgage program for ITIN holders is not much different than other conventional loan programs.

What kind of property qualifies under the ITIN Loan program?

• Single Family Detached Homes

• Townhouses or Row Homes

• Condominiums

• (1-4) Unit Residential Properties

• Investment Properties

• Sometimes (second home property)

How It Works

Borrowers qualify using an ITIN (Individual Taxpayer Identification Number) instead of SSN.

Basic Requirements

• ITIN number

• Credit or alternative credit

• Down payment: 10–20%

• Proof of income

Why This Matters

• Expands access to homeownership

• Flexible credit options

• Designed for primary residences