ITIN home loans without a Social Security number
If you file taxes with an Individual Taxpayer Identification Number, you can still finance a home. We work with lenders that accept ITIN borrowers and compare their programs for you.
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Overview
An ITIN loan is a mortgage for borrowers who have an Individual Taxpayer Identification Number from the IRS instead of a Social Security number. Most government-backed and conventional programs require a Social Security number, so ITIN loans are offered through non-QM lenders with their own guidelines. They can finance a primary residence and, with some lenders, a second home or an investment property.
Lenders look at your income, credit, down payment and how long you have filed taxes with your ITIN. Income can be documented with tax returns, pay stubs or, with some lenders, bank statements. If your traditional credit report is thin, many lenders accept alternative credit such as rent, utility, phone and insurance payment history. A larger down payment may be required compared with conventional financing.
ITIN programs differ in how they document income, how much credit history they require and which properties they allow. QMS works with lenders that accept ITIN borrowers and compares their requirements side by side. We help you organize your documents, coordinate translations where needed and explain each step in English or Spanish. All loans are subject to credit approval and lender guidelines.
Is it a good fit?
- File U.S. taxes with an ITIN instead of a Social Security number
- Have steady income shown on tax returns, pay stubs or bank statements
- Have a thin credit file but a record of paying rent and bills on time
- Have saved for a down payment and closing costs
- Want to buy a primary home and build equity
- Prefer working with a team that speaks English and Spanish
What you'll need
- IRS letter assigning your ITIN
- Valid passport or other government-issued photo ID
- Federal tax returns filed with your ITIN
- Pay stubs or bank statements, depending on the program
- Alternative credit records such as rent, utility or phone payment history
- Bank statements for down payment and reserves
How it works
How it works with QMS
Review your file
We review your ITIN, income, credit and savings to see which programs may fit.
Compare ITIN lenders
We compare lenders that accept ITIN borrowers by documentation rules and pricing.
Close on your home
We gather documents, coordinate the appraisal and manage conditions through closing.
FAQ
ITIN loan FAQs
Don't see yours? Call us or send a message. We answer the same business day.
305-425-1990Can I get a mortgage with an ITIN number?
Yes. Several non-QM lenders offer mortgages to borrowers who file taxes with an ITIN. You will need to document your income and show a credit history, which can include alternative credit if your credit report is thin. Eligibility depends on each lender's guidelines, so we compare several to find programs that fit your situation and documents.
How many years of tax returns do I need for an ITIN loan?
Many lenders look for one to two years of tax returns filed with your ITIN, along with a steady job or business. Some programs document income with bank statements instead of returns. Requirements vary between lenders, so we review what you have and match you with lenders that accept your type of documentation.
What is alternative credit for an ITIN mortgage?
Alternative credit is a record of on-time payments for bills that usually do not appear on a credit report, such as rent, utilities, cell phone, car insurance or tuition. Lenders typically ask for twelve months of history from several sources, shown with receipts, canceled checks or bank statements. It helps borrowers with little traditional credit show reliability.
Can I refinance my home with an ITIN?
Yes. Many ITIN lenders offer rate-and-term and cash-out refinances on homes you already own. The lender reviews your current mortgage, income, credit and home value. If you bought with a different program or paid cash, we can compare refinance options across lenders that accept ITIN borrowers and explain each one.
Get started
Know your numbers before you make an offer.
Tell us about your scenario and we'll price it across our lenders the same business day.