Flexible qualifying (Non-QM)
Individual Taxpayer Identification Number (ITIN) Loans
For borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
Who it's for
- Borrowers with an ITIN who want to buy a home
- Business owners and self-employed borrowers with an ITIN
- People with steady income and a documented history, but no SSN
Requirements at a glance
EligibilityAn ITIN in place of a Social Security number.
Down paymentOften higher than other loan types.
DocumentsTax filings, bank statements, and proof of income.
CreditYour credit history is reviewed. Options vary by lender.
General information only. Eligibility, terms, and requirements vary by lender and borrower, and not everyone will qualify. This is not a commitment to lend.
How it works
Four steps. Zero guesswork.
1
Tell me your goals
A short, no-pressure conversation about what you want and your numbers.
2
I compare lenders
I look across lenders to find the best ITIN loan option for your situation.
3
You apply, I run the file
One application. I manage the file and keep you updated.
4
Close with confidence
You know what to expect at every step, all the way to the keys.
Questions
Good to know.
Not for this loan. An ITIN is used in its place.
In some cases. Eligibility depends on the lender and the property, so I'll check before you apply.
Typically ID, proof of income, bank statements, and tax filings. I'll give you a clear list.
Related
You might also compare
Let's get started
Ready to see what you qualify for?
It takes five minutes and a soft credit check. No obligation, no pressure, just a clear picture of your options.