ITIN Loan
An ITIN loan is a mortgage for buyers who use an Individual Taxpayer Identification Number. It works for people without a Social Security number.
What ITIN Loan means
It helps immigrants and foreign workers buy a home. Lenders often accept rent, utility, and phone payment records as credit.
Florida example
A Florida family with ITINs wants to buy. We build a file using alternative credit and steady income.
What an ITIN loan is
An ITIN loan is a mortgage for buyers who use an Individual Taxpayer Identification Number instead of a Social Security number. It helps immigrants and foreign workers buy a home.
Lenders often accept alternative credit like rent, utility, and phone payment records.
Typical terms
ITIN loans usually ask for 10% to 20% down and proof of steady income. Rates run a bit higher since they sit outside standard guidelines.
Many Florida families use them to own their first home. Reach out and we will walk you through the ITIN path.
Related program: Learn more →
Verify the details for your own situation against these government and agency sources: IRS ITIN overview and CFPB non-QM explainer.