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Apply NowITIN loans allow qualification using an Individual Taxpayer Identification Number for borrowers who file U.S. taxes but don't have a Social Security Number — opening the door to purchasing a home or refinancing an existing mortgage.
Think an ITIN loan could work for you?ITIN loans allow qualification using an Individual Taxpayer Identification Number for borrowers who file taxes but don't have a Social Security Number.
A common path to homeownership for foreign nationals and non-permanent residents who meet a lender's documentation requirements.
Some ITIN programs accept alternative credit history, such as utility and rent payment records, for borrowers without a traditional U.S. credit file.
ITIN refinance programs work similarly to ITIN purchase loans, allowing you to refinance an existing mortgage using your Individual Taxpayer Identification Number.
A mortgage program that allows qualification using an Individual Taxpayer Identification Number instead of a Social Security Number, designed for borrowers who file U.S. taxes but aren't eligible for an SSN.
Requirements vary by lender but typically include your ITIN letter, proof of income, and identification. Some programs also accept alternative credit documentation.
ITIN programs often require a larger down payment than conventional loans, commonly in the 15–20% range, though this varies by lender and credit profile.
Yes — ITIN refinance options are available for both rate-and-term and cash-out purposes, generally following similar documentation and equity guidelines as an ITIN purchase.
We'll walk through documentation and down payment options together.
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