Don’t have an social security number

ITIN Mortgages is an option

ITIN loans provide a valuable pathway to homeownership for individuals who do not have a Social Security Number but possess an Individual Taxpayer Identification Number (ITIN). These loans are specifically designed to help non-citizens and undocumented immigrants achieve their dream of owning a home.

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A Better Way to Get Loan

Minimum Requirements

It's easier than you think. Follow the following simple easy steps

Min 660 FICO

You need a minimum 660 FICO score to be pre qualified for a loan.

Valid ITIN card

A valid ITAN card and government issued ID is required.

3 Months Reserves

Bank statements showing at least 3 months of reserves based on loan amount.

DTI up to 50%

A maximum debt to income of 50% on pre qualified loans.

Loan Calculator

Choose the loan amount and the term that suits you best.

Monthly instalment of $9.00
Monthly instalment of $18.00
Monthly instalment of $36.00
Monthly instalment of $36.00
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  • icon No SSN or credit history required
  • icon Checking for rate wont impact credit score
  • icon No fees

Benefits of ITIN Mortgage

With flexible credit requirements and competitive interest rates, ITIN loans make it possible for a broader range of borrowers to qualify. Additionally, these loans often offer reasonable down payment options and do not require a traditional credit history, considering alternative credit sources instead. By leveraging ITIN loans, borrowers can build financial stability and invest in their future through homeownership, despite lacking a traditional credit profile.

  • Loan amounts up to $1.5 million
  • Primary residence & investment allowed
  • No social security number needed
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Frequently asked questions

The minimum requirements for a mortgage are the following.

An ITIN loan is a mortgage product designed for individuals who do not have a Social Security Number but have an Individual Taxpayer Identification Number (ITIN). These loans enable non-citizens to purchase homes in the U.S.

To qualify for an ITIN loan, you need: A valid ITIN Proof of stable income Credit history (traditional or alternative) A minimum down payment (typically 10-20%)

Yes, self-employed individuals can qualify for ITIN loans. You'll need to provide additional documentation, such as two years of tax returns, bank statements, and a profit and loss statement.

Typically, you’ll need: Valid ITIN Proof of income (tax returns, pay stubs, bank statements) Identification (passport, consular ID) Proof of residency Credit history (traditional or alternative)

ITIN loans usually require a down payment of 10-20% of the home’s purchase price. The exact amount depends on the lender's policies and your financial profile.

Yes, refinancing options are available for ITIN loans. Refinancing can help you take advantage of better interest rates or change the terms of your mortgage.