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Homeownership for Non-U.S. Citizens Without a Social Security Number
WHY ITIN Loan?
You don’t need a Social Security Number to buy a home. With an ITIN Loan, individuals who file taxes using an Individual Taxpayer Identification Number (ITIN) can access financing and achieve the dream of homeownership—even without U.S. residency or a green card.
✅ No Social Security Number Needed
Apply with your ITIN in place of a Social Security Number—perfect for undocumented immigrants or non-citizen taxpayers.
✅ Build Roots and Equity
Invest in your future by owning instead of renting, even if you’re still working toward citizenship.
✅ Flexible Documentation Options
Use alternative forms of income verification, including tax returns, pay stubs, or bank statements.
✅ Buy a Home, Not Just a Dream
Purchase a primary residence and start building long-term stability for you and your family.
✅ Trusted by First-Time Buyers
Many ITIN borrowers are first-time homebuyers looking for a fair path into homeownership—and finding success.
ABOUT ITIN LOANS
ITIN Loans are created for borrowers who don’t have a Social Security Number but still pay taxes and want to own a home in the United States. These loans are typically offered by private or non-QM lenders and allow for more flexible underwriting guidelines.
Instead of standard FICO credit scores, lenders may review:
Rental history
Employment status
ITIN-based tax returns
Bank statements and utility bills
This program opens the door for many immigrant families to become homeowners—without the limitations of traditional lending.
WHO QUALIFIES?
You may qualify for an ITIN Loan if:
You have a valid ITIN (Individual Taxpayer Identification Number)
You’ve filed U.S. tax returns for at least 1–2 years
You can provide proof of income through tax documents, pay stubs, or bank statements
You’re ready to make a 10–30% down payment
You’re purchasing a primary residence in the U.S.
No green card. No Social Security number. No problem—just the desire to build a future.
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