Specialty · Non-QM

ITIN Loans

“Homeownership without a Social Security number.”

ITIN loans let borrowers who file taxes with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number pursue homeownership. They're a non-QM option, and requirements vary by lender and by the states where the program is available.

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Who it may be a good fit for

Borrowers who file taxes with an ITIN rather than an SSN
Buyers who have steady, documentable income but no Social Security number
Families ready to buy who thought they didn't have options

Key things to know

Down payment, reserve, and rate requirements vary by lender
Availability can vary by licensed state
Documentation expectations differ from a standard loan

What you'll typically need

Your ITIN and tax filing history
Income and employment documentation
Bank and asset statements

Last reviewed: July 2026. This page is general education, not a loan approval or commitment to lend; program details vary by lender and can change.

Good to Know

ITIN Loans FAQs

Can I buy a home with an ITIN instead of a Social Security number?

Yes — ITIN loan programs are designed for exactly this. Requirements vary by lender, and I can walk you through what's available and what you'd need.

Is my information kept private?

Your information is handled with care and only used to help with your inquiry. See our Privacy Policy for details.

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