WHAT IT IS
A real path to homeownership
An ITIN loan lets borrowers who file taxes with an Individual Taxpayer Identification Number qualify for a mortgage without a Social Security number. For many hardworking families, it's the door to owning a home.
If you've been told you can't buy because you don't have an SSN, let's talk — there's very likely a path, and I'll walk you through it with care and respect.
Terms and down payment requirements vary by program; we'll review exactly what your situation calls for.
An ITIN loan may be a great fit if you…
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File taxes with an ITIN (no SSN)
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Have steady income and want to buy
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Have been turned away elsewhere for lacking an SSN
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Are buying a primary residence
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Want a clear, respectful process
No SSN required
Qualify using your ITIN.
Qualify with an ITIN
Built for ITIN tax filers.
The highlights
WHY BUYERS CHOOSE ITIN
Primary-home friendly
A path to your own home.
Real ownership
Homeownership is on the table.
WHAT YOU'LL NEED
A typical starting checklist
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Your ITIN documentation
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Proof of income (varies by situation)
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Photo ID
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Rental or payment history, if available
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Authorization to review your credit
HOW IT WORKS
From hello to keys
1. Quick consult
We talk through your goals and see if it fits.
2. Get pre-approved
Know your real budget before you shop.
Shop with confidence
With your pre-approval in hand, you're ready to make strong offers when you find the right home.
4. Close with confidence
I guide you through underwriting to the finish line.
Every file is different — I'll send you a personalized list so nothing slows you down.
GOOD TO KNOW
ITIN questions, answered
What is an ITIN loan?
It’s a mortgage designed for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
Do I need a Social Security number?
No — ITIN loans are specifically for borrowers who don’t have an SSN but do file taxes with an ITIN.
What do I need to show?
You’ll typically need your ITIN documentation, proof of income, ID, and other standard loan documents.
Can I buy a primary home with an ITIN loan?
Yes — ITIN loans are often used to buy a primary residence for you and your family.
Wondering if ITIN is right for you?
Let's spend 15 minutes on your numbers. No pressure, no obligation — just a clear answer and a plan.
ITIN loans are available to borrowers who file taxes with an Individual Taxpayer Identification Number in place of a Social Security number. Terms and down payment requirements vary by program. This is not a commitment to lend. All loans are subject to underwriting and credit approval; not all applicants qualify. All loans subject to approval. Equal Housing Lender.