No Social Security number. You can still own a home.
ITIN home loans can help borrowers without a Social Security number achieve homeownership, using flexible financing built specifically around this situation. If you already file taxes with an Individual Taxpayer Identification Number, you likely have most of what this program needs already in place.
We compare ITIN loan options across 100+ lenders to help you find the right fit for your needs and your goals.
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 actually fit your situation, including the best ITIN mortgage lenders in our network.
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 when they first apply. The decline was really about the bank’s own product list, not about your file or your ability to pay.
Expect a larger deposit
The lender holds this loan rather than selling it on to someone else, so it asks for more money up front than a standard agency program would.
Documentation is different, not harder
Nobody expects a traditional credit file here. What lenders actually want is evidence of how you live and pay your bills consistently, month after month.
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 to apply. The real obstacle is that very few lenders offer the ITIN home loan product at all, not that the purchase itself is not allowed.
What if I have no credit history?
Alternative credit, such as rent, utilities, phone bills, and insurance payments, can be used to build a picture of reliability in place of a traditional credit file.
Do I need a larger deposit?
Usually, yes. Most iITIN loan requirements call for a bigger down payment than a standard agency loan, since the lender is holding the loan itself rather than selling it off.
Can I do this in Spanish?
Yes, several of our loan officers can walk you through the entire process in Spanish, from your first conversation all the way through closing.
Can I refinance an ITIN loan later?
Yes, refinancing is generally possible once you have built some payment history and equity, though the pool of lenders willing to refinance an ITIN file is still fairly limited, so it helps to work with someone who knows which ones are active.
What is the difference between an ITIN and an EIN for home buying purposes?
An ITIN vs. EIN comparison matters here because only an ITIN, tied to an individual, can be used to qualify for a personal mortgage. An EIN identifies a business entity and would not apply to a standard home purchase in your own name.
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.