Are you ready to own a home but don't have a Social Security Number?
Our ITIN home loans are designed just for you! With flexible terms and competitive rates, we make homeownership possible for everyone.
Frequently asked ITIN home loans questions
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What is an ITIN loan?
An ITIN loan is a type of mortgage available to individuals who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN). These loans are designed to help non-U.S. citizens purchase a home
Who can benefit from ITIN loans?
ITIN loans are beneficial for non-U.S. citizens who do not have an SSN but wish to buy a home in the U.S. This includes individuals who are required to have a U.S. taxpayer identification number
What documentation is required for an ITIN loan?
Typically, you will need a valid ITIN, a passport, tax returns for the past two years, proof of employment for at least two years, and a minimum credit score (usually around 660)
What are the down payment expectations for ITIN loans?
Down payment requirements can vary, but they generally range from 15% to 20% of the home’s purchase price
Can I get an ITIN mortgage loan if I don’t have a credit history?
Yes, some lenders offer ITIN mortgage loans to borrowers without a traditional credit history. However, these loans may come with higher interest rates and additional requirements.
Can I refinance my ITIN mortgage loan?
Yes, refinancing is possible. It can help you secure a lower interest rate, reduce your monthly payments, or change your loan term
Can I use an ITIN loan to purchase an investment property?
Typically, ITIN loans are designed for owner-occupied properties. However, some lenders may allow you to use an ITIN loan to purchase an investment property
Find the perfect loan for you.
There are various types of mortgage options available, and taking a few minutes to explore your options can be beneficial. Understanding the different types of home loans can help you determine which one offers the best fit for your needs. Don’t worry, we’re here to guide you through the process and help you select the most suitable loan option. But first, take some time to review and compare your options to get an idea of what works best for you.
Free Pre-Qualification
Get Flexible Mortgage Solutions
With the right home loan, you can refinance or buy a home and keep your financial plans on track
Gov. Insured Loans
Attractive loan terms
Government-insured mortgages, also known as government-backed mortgages, are home loans that are insured or guaranteed by a federal agency. These loans are designed to help specific groups of people, such as first-time homebuyers, veterans, and those in rural areas, by reducing the risk for lenders.
0%
Down Payment
580+
Credit Score
Conventional loans
Different term options available
A government program doesn’t directly back a conventional mortgage loan. Most of these loans are also “conforming,” meaning they adhere to the standards set by Fannie Mae or Freddie Mac. These two government-sponsored entities buy mortgages from lenders and then sell them to investors.
3%
Dow payment
680+
Credit Score
Non-Qualified Mortgage
Good option for investors
Non-QM (Non-Qualified Mortgage) loans are home loans that don’t meet the strict criteria set by the Consumer Financial Protection Bureau (CFPB) for qualified mortgages. These loans are designed for borrowers who may not fit the traditional lending requirements but still have the financial means to repay a mortgage.
