🌎 ITIN Loans
An ITIN and a solid history can buy a home.
ITIN loans serve borrowers who file U.S. taxes with an Individual Taxpayer Identification Number instead of a Social Security number. With an ITIN, documented income, and a credit story — traditional or alternative — homeownership and even investment property are on the table.
Is this you?
ITIN Loans tend to be a great fit for…
- Taxpayers with an ITIN and steady documented income
- Buyers with thin U.S. credit who can show alternative tradelines (rent, utilities, remittances)
- Families ready to stop renting but told "no SSN, no loan" elsewhere
Questions investors actually ask
ITIN Loans: straight answers
What documents do ITIN programs want?
Your ITIN card or IRS letter, government-issued photo ID, income documentation (W-2s, tax returns, or bank statements depending on how you earn), and a credit history — which can include alternative tradelines like rent and utilities where a traditional score is thin.
Are rates higher on ITIN loans?
Typically somewhat, reflecting the specialized program — but the honest comparison isn’t ITIN vs. conventional, it’s ITIN vs. continuing to rent. We’ll put real numbers on both.
Can ITIN borrowers buy investment property?
Some programs allow it, including DSCR structures for ITIN investors. Guidelines vary more here than anywhere else — tell us the goal and we’ll find the lane.
Keep exploring
DSCR Loans
The rental’s income does the qualifying — no tax returns, no W-2s, no personal DTI math.
Learn more →Bank Statement Loans
Your deposits tell the income story — 12 or 24 months of statements instead of tax returns.
Learn more →1099-Only Loans
Qualify straight off your 1099s — no tax returns, no expense archaeology.
Learn more →Not sure if ITIN loans fit your deal?
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