The dream of homeownership is universal – including individuals who are not U.S. citizens. A Social Security Number (SSN) is not required to receive a home loan – ITIN mortgages are designed for non-citizens interested in purchasing a home. The ITIN mortgage program offers borrowers the opportunity to use their Individual Tax Identification Number (ITIN).

What is an ITIN?

An ITIN is a nine-digit tax processing number – similar to an SSN. ITIN cards are issued to those who are ineligible for an SSN.

If you are ineligible for an SSN and are interested in homeownership and/or building a credit history, the first step is to obtain an ITIN card. Visit the IRS website for more information on how to obtain an ITIN card.

What are ITIN Mortgages?

The ITIN Mortgage Program is to provide access to lending for individuals who do not have a social security number but do have an ITIN card.

The process for getting an ITIN mortgage is similar to obtaining a traditional mortgage, as long as they meet the lender’s eligibility requirements.

Who can benefit from the ITIN Mortgage Program?

  • Immigrants and non-residents who do not have a Social Security Number can benefit significantly from the ITIN Mortgage Program. This includes individuals with work visas, refugees, and others who may be legally residing in the U.S. without an SSN.
  • Individuals with limited credit history or those trying to build a credit history. The ITIN Mortgage Program offers an opportunity for individuals with limited credit history to establish themselves and work towards homeownership.
  • Self-employed individuals who may not have traditional income documentation, such as W-2 forms, can find the ITIN Mortgage Program accommodating. Lenders may consider alternative documentation to assess income and financial stability.


Ready to get started? Start the application process or contact our mortgage team for more information.

ITIN not right for you? View other loan options.