A complete guide to obtaining a mortgage with an Individual Taxpayer Identification Number instead of a Social Security Number.
NMHL Team2026-02-0512 min read
What Is an ITIN Mortgage?
An ITIN mortgage is a home loan available to borrowers who have an Individual Taxpayer Identification Number rather than a Social Security Number. The IRS issues ITINs to individuals who are required to file tax returns but are not eligible for a Social Security Number, including many non-citizen residents, foreign nationals, and undocumented immigrants who pay taxes. While most mainstream mortgage programs require a Social Security Number, a growing number of lenders offer ITIN mortgage programs that accept the ITIN as an alternative form of identification. These programs recognize that many ITIN holders are established members of their communities with steady incomes, responsible financial habits, and a genuine desire for homeownership. ITIN mortgages are typically portfolio loans, meaning the lender keeps them on their books rather than selling them on the secondary market. This gives lenders flexibility to set their own underwriting guidelines. ITIN loans are not backed by government agencies like the FHA, VA, or USDA, and they do not conform to Fannie Mae or Freddie Mac guidelines. As a result, terms may differ from conventional mortgages, including higher interest rates and larger down payment requirements. Despite these differences, ITIN mortgages provide a legitimate and valuable path to homeownership for millions of people who contribute to their communities and pay taxes but lack a Social Security Number.
ITIN holders pay billions of dollars in federal taxes each year. ITIN mortgage programs recognize these contributions and provide a path to homeownership for tax-paying residents without a Social Security Number.
Key Tips
Ensure your ITIN is current and has not expired before applying for a mortgage
File your federal tax returns consistently every year to build a strong financial history
Start the homebuying process by consulting with a lender experienced in ITIN loans
Eligibility and Documentation
ITIN mortgage eligibility centers on demonstrating financial stability and the ability to repay the loan. You will need a valid, unexpired ITIN along with at least two years of filed federal tax returns showing consistent income. Tax returns serve as the primary income documentation, replacing the W-2 forms and pay stubs used in traditional mortgage applications. Many lenders also accept bank statements as supplemental income verification, similar to bank statement loan programs for self-employed borrowers. Additional documentation typically includes two forms of government-issued identification, such as a passport, consular identification card, or state-issued identification. You will need to provide bank statements showing at least 2 to 3 months of account history, proof of current residence such as utility bills or a lease agreement, and documentation of your employment. Letters from employers confirming your position, tenure, and income are commonly requested. Some lenders may require a letter from a CPA or tax preparer verifying your income. If you are self-employed, you will need to provide business documentation including business bank statements, a business license if applicable, and possibly client contracts or invoices. The key is to establish a clear and verifiable paper trail of your income and financial activity.
Key Tips
Keep copies of all filed tax returns and confirmation receipts from the IRS
Maintain consistent banking activity and avoid large unexplained cash deposits
Gather employment verification letters well in advance of your application
ITIN Loan Requirements
ITIN mortgage requirements are generally stricter than conventional loan requirements due to the additional risk perceived by lenders. Down payments typically range from 10 to 25 percent of the purchase price, with most programs requiring at least 15 to 20 percent. A larger down payment not only increases your approval chances but can also improve your interest rate. Interest rates on ITIN mortgages are typically 1 to 3 percent higher than conventional mortgage rates. The premium reflects the portfolio nature of these loans and the limited secondary market for them. Rates vary significantly between lenders, so comparison shopping is essential. Credit requirements are handled differently for ITIN borrowers since traditional credit scores through the major bureaus may not be available. Many ITIN lenders accept non-traditional credit references, also known as alternative credit. This includes a history of on-time rent payments verified by your landlord, utility payment history from electric, gas, water, or phone companies, car insurance payment history, and other recurring payment obligations. At least 3 to 4 alternative credit references with 12 months of on-time payment history are typically required. Debt-to-income ratios are usually capped at 43 to 50 percent depending on the lender. Loan amounts typically range from $100,000 to $1 million, with both fixed-rate and adjustable-rate options available. Terms of 15 and 30 years are most common.
Many ITIN lenders accept alternative credit references like rent, utility, and insurance payments in place of traditional credit scores. Building a strong alternative credit history is key to approval.
Key Tips
Pay all bills on time for at least 12 months before applying to build strong alternative credit
Keep receipts and records of all rent and utility payments as proof of payment history
Save for the largest down payment possible to improve your rate and approval odds
Finding ITIN-Friendly Lenders
Finding the right lender is one of the most important steps in the ITIN mortgage process. Not all lenders offer ITIN programs, so you need to specifically seek out those that do. Community banks and credit unions are often the best starting point. Many local financial institutions, particularly those serving diverse communities, have established ITIN mortgage programs. Community Development Financial Institutions, known as CDFIs, are mission-driven lenders that focus on underserved populations and frequently offer ITIN mortgages with competitive terms. Non-QM lenders that specialize in alternative documentation loans may also offer ITIN programs. These lenders are experienced in evaluating non-traditional borrowers and may offer more flexibility. Mortgage brokers with experience in ITIN lending can be invaluable resources, as they have access to multiple lenders and can match you with the best program for your situation. Housing counseling agencies approved by HUD often maintain lists of ITIN-friendly lenders in your area and can provide free guidance. National organizations like the National Association of Hispanic Real Estate Professionals and local immigrant advocacy groups may also provide referrals. When evaluating lenders, compare not just interest rates but also down payment requirements, fees, prepayment penalties, and the overall experience they have with ITIN borrowers. A lender who regularly processes ITIN loans will handle your application more efficiently than one who rarely does.
Key Tips
Start with community banks, credit unions, and CDFIs in your area
Ask potential lenders how many ITIN loans they close annually to gauge experience
Work with a HUD-approved housing counselor for free guidance and lender referrals
Building Credit with an ITIN
Building a strong credit profile with an ITIN takes intentional effort but is achievable and will improve your mortgage options over time. Start by opening a bank account, which establishes a relationship with a financial institution and creates a record of your financial activity. Many banks and credit unions accept ITINs for account opening. Next, apply for a secured credit card from a bank or credit union that reports to the major credit bureaus. A secured card requires a cash deposit that serves as your credit limit. Use the card for small purchases and pay the balance in full each month. Over time, this builds a positive credit history that appears on your credit reports. Some credit unions offer ITIN holders small credit-builder loans specifically designed to establish credit history. You make fixed monthly payments into a savings account, and at the end of the loan term, you receive the funds. The payment history is reported to the credit bureaus. Alternative credit-building services like self-reporting platforms allow you to report rent, utility, and phone payments to the credit bureaus, gradually building a traditional credit file. After 12 to 24 months of consistent credit-building activity, you may have a traditional credit score that opens up additional mortgage options and potentially better rates. Maintaining a mix of credit types, keeping balances low, and always paying on time are the foundations of a strong credit profile regardless of whether you have an SSN or ITIN.
Building traditional credit with an ITIN typically takes 12-24 months. Starting this process well before you plan to buy a home can significantly improve your mortgage options and rates.
Key Tips
Open a secured credit card and use it responsibly to build credit bureau history
Ask your bank or credit union about credit-builder loan programs
Use rent and utility reporting services to get credit for payments you are already making
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Frequently Asked Questions
Yes, you can purchase a home with an Individual Taxpayer Identification Number instead of a Social Security Number. While most government-backed loan programs require an SSN, a growing number of portfolio lenders and community banks offer ITIN mortgage programs specifically designed for borrowers without Social Security Numbers.
ITIN mortgage rates are typically 1 to 3 percent higher than conventional mortgage rates. The exact rate depends on your down payment, credit profile, loan amount, and the specific lender. Shopping multiple ITIN lenders and working with a knowledgeable broker can help you find the most competitive rate available.
Most ITIN mortgage programs require a down payment of 10 to 25 percent, with 15 to 20 percent being the most common requirement. A larger down payment can improve your approval chances and reduce your interest rate. Some community-based programs may offer lower down payment options in specific areas.
Not necessarily. Many ITIN lenders accept alternative credit references in lieu of a traditional credit score. This includes verified payment history for rent, utilities, car insurance, phone bills, and other recurring obligations. Typically 3 to 4 references with at least 12 months of on-time payment history are required.
Yes, ITIN mortgages can be refinanced. If you build traditional credit or your financial situation improves, you may be able to refinance into a better rate or different loan program. If you later obtain a Social Security Number, you may qualify for conventional loan programs with potentially lower rates.
