ITIN home loan

Home loans for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.

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Photo: GlacierNPS · Public domain · Wikimedia Commons

Who it's for

Borrowers with an ITIN, steady income, and two years of U.S. tax returns.

How it works

ITIN loans are offered by specialty investors, not the government programs, so guidelines and pricing vary.
Expect a larger down payment than FHA and a full look at income, credit, and rental history.
We work in English or Spanish, and we'll explain every document before you sign it.

What you'll need

ITIN card or IRS letter
Two years of tax returns
Government-issued photo ID (passport, matrícula consular, or driver's license)
Proof of income and 12 months of housing payment history

Common questions

Is this legal?

Yes. Lending to ITIN holders is legal nationwide. The programs are simply offered by fewer lenders.

Can a co-borrower with a Social Security number help?

Yes; mixed-status households are common and many programs allow it.

By design this page shows no rates, APRs, payments, or down-payment percentages. Those figures are only published with the full disclosure block required by Regulation Z.

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