/PROGRAM
ITIN mortgage loans
A bank says no SSN means no loan, or quotes a program wanting W-2s and tax transcripts that do not match how you actually file. Nobody looks at what you do have.
- Scope
- Available as a business-purpose loan in any state; the consumer version I originate in select states. Outside those states I can introduce you to a licensed colleague at NEXA Mortgage, LLC.
- Best if
- you file US taxes with an ITIN and have payment history to show for it.
- Not for
- a file that already has an SSN-based credit score to work with.
- First step
- Send your tax filings and whatever payment history you have, rent, utilities, insurance.
A mortgage for people who file US taxes with an ITIN instead of a Social Security number, qualifying on documented income, assets, rent and utility history, or the property itself, rather than a traditional SSN-based credit file.
Who an ITIN loan is for
Cash-economy business owner
Years running a trade or service business, filing with an ITIN, renting the same neighborhood the whole time.
Mixed-status household
One filer uses an ITIN, and a lender said the file couldn’t be combined rather than looking into it.
ITIN investor
One or two rental doors already, sometimes titled in an LLC, reserves built from the business.
Thin-file, strong-history filer
Five-plus years of filings, on-time rent, utilities in your own name, and no traditional bureau file.
Large-reserve saver
The money to buy is already in the account, but there is almost no US credit history behind it.
How an ITIN loan works
- 01
Send your tax filings and whatever payment history you have, rent, utilities, insurance.
- 02
Qualifying works off documented income, assets and alternative payment history rather than an SSN-based credit file.
- 03
An investment property titled for business purpose is a different lane than a primary residence. I confirm which applies.
- 04
Eligibility varies by scenario. I tell you what your file actually supports.
Questions about an ITIN loan
I don’t have a Social Security number, isn’t that the end of it?
It isn’t. This program is built around the ITIN specifically; it works off your tax filings and payment history instead.
I don’t have a credit score.
Not necessarily a dealbreaker. Rent and utility history can stand in for a thin or absent score, and the decision still reads your full file rather than one number.
My landlord never reported my rent, so I have no proof.
There are ways to document consistent payment even without automatic reporting. Let’s see what you have on hand.
Is money I received from abroad going to be a problem?
Documented funds are documented funds. We just need to source and paper-trail it properly. That’s a normal part of any file.
Will applying for a mortgage affect our immigration situation?
I can’t advise on immigration. That’s outside what I do, and I’d point you to an immigration attorney. What I can walk you through is how the mortgage itself works.
Related reading
All guides →Getting a mortgage when you file taxes with an ITIN
The obstacle is usually an intake form, not an underwriting decision.
Myth: you can’t get a mortgage if you file taxes with an ITIN
A Social Security number is what most lenders’ software expects. It is not what the property or the repayment depends on.
Send this scenario
Tell me the property and the plan and I’ll come back with what’s eligible. Eligibility and terms vary by scenario.