Home Financing Without a Social Security Number
An ITIN shouldn't stand between you and homeownership. Explore mortgage options designed for eligible borrowers who use an Individual Taxpayer Identification Number.
What Are ITIN Loans?
ITIN loans provide mortgage financing options for eligible borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number. These programs can help qualified borrowers purchase or refinance a home using alternative documentation to demonstrate income, credit history, and their ability to repay.
At a Glance
| Down Payment | As low as 15% |
| Credit Score | Minimum 660 FICO |
| Debt-to-Income Ratio | Subject to program guidelines |
| Loan Limits | Up to $1,500,000 |
| Mortgage Insurance | Program specific requirements |
Is This Loan Right for You?
This program may be a good fit if you:
- Use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number
- Want to purchase a primary residence or qualifying investment property
- Can document qualifying income through full documentation or eligible bank statements
- Have a qualifying credit profile and are looking for financing options outside traditional mortgage programs
Important Considerations
Important Considerations
ITIN loans have different guidelines than traditional mortgage programs. Down payment, credit, income documentation, occupancy, and loan amount requirements may vary based on the borrower and property.
Costs & Fees
Rates, closing costs, and other loan expenses may differ from conventional financing. Your loan officer will review available options and provide the costs associated with your specific loan.
Eligibility Requirements
Borrowers must have a valid ITIN and meet applicable credit, income, asset, and documentation requirements. LoanStream currently offers qualifying options including full documentation and eligible bank statement programs.
Property Requirements
Financing may be available for qualifying primary residences and investment properties. Property type, occupancy, loan amount, and other program guidelines determine eligibility.
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LEARN MORECommon Questions
An ITIN loan is a mortgage option for eligible borrowers who use an Individual Taxpayer Identification Number rather than a Social Security number. It can provide a path to home financing for borrowers who meet the program’s credit, income, asset, and property requirements.
Qualified borrowers may be eligible for purchase financing up to 85% loan to value, which means a down payment as low as 15% may be possible. Actual requirements depend on the borrower’s qualifications, property, loan amount, and current program guidelines.
A minimum FICO score of 660. Additional credit and underwriting requirements apply, and meeting the minimum score does not guarantee approval.
Income documentation depends on your employment situation. Options using tax returns or 12 months of bank statements for eligible self employed borrowers and tax returns with written verification of employment for eligible W2 borrowers.
Ready to Explore Your ITIN Loan Options?
Our loan officers can help you understand ITIN mortgage requirements, review your financing options, and determine which program may fit your needs.
