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ITIN Loans are a financial solution designed to empower non-U.S. residents to achieve their homeownership dreams in the United States. Whether you’re a foreign national, a resident alien, or a non-resident with an Individual Taxpayer Identification Number (ITIN), our ITIN loan program offers accessible financing options tailored to your unique needs and circumstances.

What is an ITIN Loan?

An ITIN loan is a mortgage program specifically designed for individuals who do not have a Social Security Number (SSN) but possess an ITIN issued by the Internal Revenue Service (IRS). ITIN loans provide non-U.S. residents with the opportunity to purchase or refinance homes in the United States, enabling them to build wealth through homeownership and establish roots in their communities.

How to Get an ITIN Loan

Our team of experienced professionals will be with you every step of the way.

Financing Process

The financing process for ITIN loans is similar to traditional mortgage financing and typically involves the following steps:

  1. Application: We’ll help you submit your loan application, providing details about your financial situation and the property you wish to finance.
  2. Documentation: Provide supporting documentation, including proof of income, identification, residency status, and credit history, to verify your eligibility for an ITIN loan.
  3. Underwriting: Our underwriters will review your application and documentation, assess your creditworthiness, and determine the terms and conditions of the ITIN loan.
  4. Approval: If approved, you’ll receive a loan offer outlining the terms of the ITIN loan, including interest rate, loan amount, and repayment terms.
  5. Closing: Attend the loan closing to sign the necessary documents and finalize the transaction, securing financing for your home purchase or refinance.

Requirements to Meet

To qualify for an ITIN loan, borrowers must meet certain eligibility criteria, including:

  • Possession of a valid Individual Taxpayer Identification Number (ITIN) issued by the IRS.
  • Proof of income, such as pay stubs, tax returns, or bank statements, to demonstrate the ability to repay the loan.
  • Identification and residency documentation, such as a passport, visa, or consular ID, to verify identity and legal status in the United States.
  • Credit history and score requirements determined by the lender, which may vary depending on the loan program and lender’s policies.


Can I apply for an ITIN loan if I don’t have a Social Security Number (SSN)?

Yes, ITIN loans are specifically designed for individuals without a Social Security Number (SSN) but possess an Individual Taxpayer Identification Number (ITIN) issued by the IRS.

What types of properties can I finance with an ITIN loan?

You can use an ITIN loan to finance various types of properties, including single-family homes, condominiums, townhouses, and multi-unit properties for primary residences or investment purposes.

Are ITIN loans available for first-time homebuyers?

Yes, ITIN loans are available for first-time homebuyers and non-U.S. residents seeking to purchase or refinance homes in the United States.

What are the interest rates and terms for ITIN loans?

Interest rates and terms for ITIN loans may vary depending on factors such as creditworthiness, loan amount, loan program, and lender’s policies. It’s essential to discuss your specific needs and circumstances with an ITIN loan specialist to find the best financing option for you.

Can I use ITIN loans to purchase investment properties or second homes?

Yes, ITIN loans can be used to finance investment properties or second homes in addition to primary residences, providing non-U.S. residents with flexibility in their real estate investment opportunities.