Solutions
ITIN & Non-Citizen Home Loans
A path to ownership for borrowers who pay taxes with an ITIN or hold non-citizen status.
Homeownership is not limited to those with a Social Security number. Borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN), and many non-citizens, have real paths to a mortgage — through programs built for exactly these situations.
What these programs look at
- A documented history of filing taxes with an ITIN.
- Stable, verifiable income — through standard documentation or bank statements for the self-employed.
- A responsible payment history, sometimes through alternative credit such as rent and utilities.
- A reasonable down payment, which varies by program.
Who this serves
Hardworking families who have built their lives and their businesses here, paid their taxes faithfully, and been told by a conventional lender that they do not fit. They fit here. Owning a home should be available to those who have earned it, and these programs make it possible.
Pro tip
Gather two years of tax filings and proof of steady income before you apply. A clean, documented history is the foundation of an ITIN approval — and we will walk you through exactly what to assemble.
Common questions
Can I get a mortgage with an ITIN instead of a Social Security number?
Yes. ITIN loan programs are built for borrowers who file taxes with an ITIN, using documented income and payment history rather than a Social Security number. Many hardworking families qualify.
Do non-citizens have to pay all cash for a home?
No. Many non-citizens qualify for financing with proper documentation of status and income. The idea that a mortgage requires citizenship is a myth — there are real, legitimate paths.