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.
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
Curious what the monthly payment might look like? Try my free mortgage calculator.
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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