ITIN Home Loan Program
Buy a Home Without a Social Security Number
If you have an ITIN number, you may qualify for a mortgage.
Get Pre-Qualified for a Conventional Loan Today
Submit your information and explore your mortgage options today.
What Is an ITIN Home Loan?
An ITIN home loan is a mortgage program designed for borrowers who do not have a Social Security number but file taxes using an ITIN number.
This program allows ITIN holders to: Purchase a primary residence, Buy an investment property, Refinance an existing mortgage
Qualification is based on income, credit profile, and financial stability — not immigration status.
ITIN Home Loan Features
- ITIN accepted – No Social Security required
- Primary residence & investment property allowed
- Competitive fixed-rate options
- Flexible credit requirements
- Lease-to-own options available (TRIO Program)
ITIN Home Loan Requirements
To qualify, borrowers typically need:
Identification
Valid ITIN number
Credit Score
Minimum 620 credit score (depending on down payment) Minimum 3 tradelines with 12-month history
Payment History:
12 months of verified rent
Income Documentation
1 year of tax returns or 12 months of bank statements or 12-month Profit & Loss statement
Why Choose USA Loans for ITIN Financing?
We specialize in structuring ITIN mortgages responsibly and clearly.
- 15+ years helping ITIN borrowers
- Clear qualification guidelines
- Bilingual support (English & Spanish)
- Personalized guidance
- Transparent documentation checklist
ITIN Mortgage FAQs
Common questions about ITIN Home Loans
Can I buy a home with an ITIN number?
Yes. ITIN home loan programs are designed specifically for borrowers without a Social Security number.
Do I need U.S. credit history?
Not always. Alternative credit and rent history may be used.
Can I buy an investment property?
Yes, both primary residence and investment properties may qualify.
What is the minimum credit score?
Minimum 620 depending on down payment option.
