ITIN Loans Home Financing Without a Social Security Number
Not having a Social Security number doesn't necessarily mean homeownership is out of reach.
MyLoanDesk offers access to ITIN mortgage programs designed for borrowers who use an Individual Taxpayer Identification Number (ITIN) and may not qualify for traditional mortgage financing. Whether you're purchasing your first home, moving to a new property, or refinancing an existing mortgage, we'll help you explore financing options based on your individual situation.
What Is an ITIN Loan?
An ITIN loan is a mortgage option for eligible borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
ITIN mortgages are generally offered through specialized lending programs rather than traditional agency mortgage programs.
Qualification requirements vary by lender and may consider factors such as income, employment or self-employment history, credit history, assets, down payment, and the property being financed.
- Verifiable Income or Qualifying Documentation
- Employment or Self-Employment History
- Established U.S. Credit or Alternative Credit
- Down Payment and Closing Cost Reserves
- Eligible Primary Residence or Property Type
Who May Benefit From an ITIN Loan?
An ITIN mortgage may be worth exploring if you:
- Have a valid ITIN
- Do not have a Social Security number
- Want to purchase a primary residence or other eligible property
- Have verifiable income or qualifying alternative documentation
- Have funds available for the required down payment and closing costs
- Have established U.S. credit or acceptable alternative credit, depending on the program
Tailored To Your Circumstances
Every borrower's situation is different, so our job is to identify programs that fit your circumstances.
Check My ITIN Loan OptionsITIN Loan Options
Depending on the lender and borrower profile, programs may be available for:
Home Purchase
Finance the purchase of an eligible property using your ITIN.
Refinance
Explore refinancing options for an existing property.
Self-Employed Borrowers
Certain programs may provide alternative ways of documenting income for business owners and self-employed borrowers.
Alternative Credit
Some lenders may consider alternative credit histories when traditional credit is limited.
What Documents May Be Required?
Requirements vary, but borrowers may be asked to provide:
We'll tell you what is required after reviewing your situation.
Why MyLoanDesk?
ITIN financing isn't a one-size-fits-all mortgage.
Instead of limiting you to one lender's guidelines, MyLoanDesk can review available lending programs and help identify options that may fit your income, assets, credit profile, property, and goals.
Have an ITIN and want to buy a home?
Let us help you explore specialized mortgage programs designed around your individual profile.
Check My ITIN Loan OptionsEstimate Your ITIN Down Payment & Payment
Calculate your estimated down payment requirement and monthly principal & interest payment.
ITIN Loan FAQs
Can I get a mortgage with an ITIN?
Potentially. Specialized lenders offer mortgage programs for eligible borrowers who use an ITIN rather than a Social Security number.
Do ITIN loans require a large down payment?
Down-payment requirements vary by lender, property type, credit profile, and loan program.
Can self-employed borrowers qualify?
Yes, depending on the program. Some lenders offer alternative income-documentation options for eligible self-employed borrowers.
Do I need U.S. credit?
Requirements vary. Some programs may consider borrowers with established U.S. credit, while others may permit alternative credit documentation.
Can MyLoanDesk help me determine whether I qualify?
Yes. Tell us about your situation and we'll review available options.
Ready to Explore ITIN Mortgage Options?
Loan programs, qualification requirements, rates, terms, and availability vary by lender and are subject to change. All loans are subject to underwriting and approval.