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ITIN Loans
Mortgage options using an Individual Taxpayer Identification Number instead of a Social Security number.
What this loan may offer
- Home purchase: Financing for eligible borrowers purchasing a home.
- Refinancing: Options to refinance an existing mortgage, including cash-out when permitted.
- Income documentation options: Depending on the program, qualify using traditional income documents or bank statements for eligible self-employed borrowers.
- Property options: Financing for eligible primary residences and, with certain programs, investment properties.
- Personal guidance: Help reviewing your income, credit history, down payment, and available loan options.
Why would a borrower use it?
A borrower who does not have a Social Security number may earn income, file U.S. taxes and have funds for a down payment, but need a lender that accepts an ITIN for mortgage qualification.
Borrowers must meet the selected lender’s requirements for identification, income, credit, and funds to close. Down payments, interest rates, loan amounts, and property eligibility vary by program.
