No Social Security number. You can still own a home.
ITIN mortgages across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
An Individual Taxpayer Identification Number is enough. Very few lenders offer this, and almost no high-street bank does.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
An ITIN loan is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | |
|---|---|---|
| You file taxes with an ITIN | That tax history is the foundation the file is built on | All purchase loans |
| You have no traditional credit file | Rent, utilities and insurance can be used as alternative credit instead | Talk to us |
| A bank told you no before anyone looked | Most banks do not offer this product at all, so the answer was never really about you | Talk to us |
| You are self-employed as well | A great many ITIN borrowers are. Both things can be solved in the same file | Bank statement loans |
| You would rather do this in Spanish | Several of our loan officers can walk you through it in your language | Meet the team |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What an ITIN file needs
A valid ITIN
Issued by the IRS. This is what stands in place of a Social Security number.
A record of filing taxes
Consistency matters more than size. Lenders want to see a pattern, not a perfect one.
Alternative credit
Rent paid on time, utilities, phone and insurance can build a picture where a credit file does not exist.
A deposit
Usually more than an agency program asks for, because the lender carries this loan itself.
Income you can evidence
Pay stubs, bank deposits or a profit and loss statement, depending on how you are paid.
A lender that actually does this
The hardest part. We hold relationships with the few that do.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Most lenders simply do not offer it
This is why so many people are told no. The decline was about the bank’s product list, not about your file.
Expect a larger deposit
The lender holds this loan rather than selling it on, so it asks for more up front than an agency program would.
Documentation is different, not harder
Nobody expects a traditional credit file. What they want is evidence of how you actually live and pay.
Nadeem Bhatti
Where we place ITIN loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What ITIN borrowers ask first
Can I buy a home without a Social Security number?
Yes. An ITIN is enough. The obstacle is that very few lenders offer the product, not that the purchase is not allowed.
What if I have no credit history?
Alternative credit is used instead: rent, utilities, phone and insurance paid consistently over time.
Do I need a larger deposit?
Usually more than an agency loan asks for, because the lender keeps this loan on its own books.
Can I do this in Spanish?
Yes. Several of our loan officers can take you through the whole process in your language.
Can I refinance an ITIN loan later?
Often, and many borrowers do once their credit profile has developed. It is worth revisiting rather than assuming the first loan is permanent.
Find out whether you qualify
Tell us about your ITIN, your income and your tax filings. We will tell you honestly what is possible, free.