ITIN Loan | Individual Taxpayer Identification Number is an online mortgage company specializing in ITIN loans.

We have over 20 years experience in the mortgage industry and we are licensed in New Jersey, Connecticut and Florida.

The dream of homeownership knows no boundaries, and for those without a Social Security Number (SSN), an ITIN loan may be perfect for you.

For a quicker response, call 888-958-5382



  • Minimum credit score of 640 or no credit score
  • Maximum LTV of 80% LTV with credit score of 700 or higher
  • Maximum loan amount of $1,500,000
  • Minimum loan amount of $75,000
  • Interest only available
  • 7/6 ARM, 15 Year Fixed and 30 Year Fixed
  • First Time Homebuyers eligible

Property Type:

  • Single Family
  • 2 Unit
  • 3 Unit
  • 4 Unit
  • PUDs
  • Condo
  • Townhouse
  • Primary homes, Second homes and Investment homes

Purchase or Refinance:

  • Purchase and rate/term refinance for primary and second homes up to 80% LTV
  • Purchase and rate/term refinance for investment homes up to 75% LTV
  • Cash-out refinance for primary and second homes up to 75% LTV
  • Cash-out refinance for investment homes up to 70% LTV


What Are ITIN Loans?

Individual Taxpayer Identification Number (ITIN) loans are specialized mortgage programs designed for individuals who do not possess a Social Security Number but still want to purchase a home in the United States.

ITINs are issued by the Internal Revenue Service (IRS) to foreign nationals, resident and non-resident aliens, and others who have a federal tax reporting or filing requirement.

How Do ITIN Loans Work?
  1. ITIN Eligibility: To qualify, you must have a valid ITIN issued by the IRS. This number serves as your taxpayer identification and is used for tax reporting purposes.
  2. Down Payment: Most ITIN programs require a down payment, typically around 20% of the home’s purchase price. The specific down payment amount may vary depending on your creditworthiness.
  3. Interest Rates: Interest rates can vary, but they are often competitive. Your interest rate will depend on factors such as your credit score and down payment.
  4. Loan Terms: Typically offered with a fixed or adjustable-rate options, with terms ranging from 15 to 30 years, allowing borrowers to choose the option that best suits their financial goals.

What are the Benefits?

There are several advantages for those without an SSN:

  1. Access to Homeownership: ITIN loans provide a pathway to homeownership for individuals who may not otherwise be eligible for traditional mortgages.
  2. Credit Building Opportunity: Responsible repayment can help you build a positive credit history in the United States, which may open doors to other financial opportunities.
  3. Competitive Interest Rates: Many lenders offer competitive interest rates, making homeownership more affordable.
  4. Tax Benefits: As a homeowner, you may be eligible for various tax deductions and benefits related to mortgage interest payments and property taxes.
Apply Now!

For a quicker response, call 888-958-5382