A path to homeownership without a Social Security Number.
ITIN mortgages are home loans for borrowers who file U.S. taxes with an Individual Taxpayer Identification Number. Same path to owning a home — different documentation. Available across Colorado and Florida.
Homeownership shouldn't depend on an SSN.
If you file U.S. taxes with an ITIN, you're already contributing to the economy — you deserve access to the same financial tools as any other taxpayer. ITIN mortgages give you that access.
These loans are funded by portfolio lenders who specialize in this market. The underwriting takes a little more work, the rates are slightly higher than conventional, but the path is real — and many of our ITIN borrowers refinance into conventional financing once they qualify.
- No Social Security Number required — ITIN qualifies
- Down payments from 15% (sometimes 10% for strong borrowers)
- Credit history can be built from alternative tradelines: utilities, rent, insurance
- Primary residence, second home, or investment property — all eligible
- Available across Colorado and Florida
ITIN Mortgage FAQ
What is an ITIN mortgage?+
An ITIN mortgage is a home loan for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. These loans are funded by portfolio and non-QM lenders — not Fannie Mae, Freddie Mac, or government agencies — but they otherwise look and feel like a standard mortgage.
Do I need to be a U.S. citizen?+
No. ITIN mortgages exist specifically for borrowers who are not U.S. citizens and don't have a Social Security Number — including DACA recipients, work visa holders, and undocumented residents who file U.S. taxes.
What down payment is required?+
Most ITIN programs require 15% down for primary residences. With strong credit and reserves, some lenders go to 10%. Investment properties typically require 20–25% down.
What credit do I need?+
Most lenders look for a 660+ score. If you don't have a traditional credit score, we can often build credit history from alternative tradelines: 12 months of on-time rent payments, utilities, cell phone, and insurance. Two years of clean tax returns also helps significantly.
Are the rates higher than conventional?+
Yes — typically 1–2% higher than a comparable conventional rate, because the loans are held in portfolio by the lender (not sold to Fannie/Freddie) and the lender takes the credit risk. The good news: many ITIN borrowers refinance into conventional later once they qualify for a Social Security Number or build conventional credit.
What documents will I need?+
Two years of U.S. tax returns filed with your ITIN, two years of W-2s or 1099s (or 12–24 months of bank statements if self-employed), a valid government-issued ID (passport, consular ID, or driver's license), and proof of legal residence or work authorization where applicable. We'll give you a full checklist before you apply.
Let's see what's possible.
We'll review your scenario confidentially and tell you exactly what's needed to qualify — no SSN required.