NON-QM Loans
Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.
What is an ITIN Mortgage Loan?
An ITIN Mortgage Loan is designed for non-U.S. citizens, foreign nationals, and individuals without a Social Security number (SSN) who want to buy a home in the U.S. These loans allow borrowers to use their Individual Taxpayer Identification Number (ITIN) instead of an SSN to qualify for a mortgage.
Why consider an ITIN Mortgage Loan?
ITIN mortgage loans provide homeownership opportunities for individuals who may not qualify for conventional loans due to their residency status. Key benefits include:
- No Social Security Number required – Qualify using an ITIN instead of an SSN.
- Flexible credit requirements – Some lenders accept alternative credit history, such as rent or utility payments.
- Low down payment options – Some ITIN loans allow as little as 10-20% down, depending on the lender.
- Fixed-rate and adjustable-rate loan options – Borrowers can choose stable or flexible mortgage terms.
- No need for a Green Card or U.S. residency – Ideal for undocumented workers, foreign nationals, and non-resident buyers.
An ITIN mortgage loan makes homeownership accessible to individuals who may not qualify for traditional loans due to immigration or residency status.
How ITIN Mortgage Loans Work
ITIN mortgage loans help non-citizens and undocumented individuals purchase homes in the U.S. by using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN).
How Do You Qualify for an ITIN Mortgage Loan?
Must have a valid ITIN issued by the IRS.
Provide proof of income (bank statements, tax returns, or employer letters).
Credit history is not required, but alternative credit sources (rent, utility bills, or phone bills) may be used.
Down payment requirements range from 10-30%, depending on the lender.
A minimum credit score of 600-660 may be required, but some lenders allow exceptions.
Types of ITIN Mortgage Loan Programs
Fixed-Rate ITIN Loans – Offer stable, predictable payments over the life of the loan.
Adjustable-Rate ITIN Loans (ARM) – Feature lower initial rates with possible adjustments over time.
Jumbo ITIN Loans – For borrowers needing loan amounts above conventional limits.
Who Should Consider an ITIN Mortgage Loan?
ITIN mortgage loans are ideal for:
Non-citizens and undocumented individuals who do not have a Social Security Number (SSN).
Foreign nationals or expatriates looking to buy a home in the U.S..
Self-employed individuals or business owners who may not have W-2 income.
Individuals with alternative credit histories who need flexible mortgage options.
With alternative qualification methods, competitive loan terms, and low down payment options, ITIN mortgage loans make homeownership accessible to more individuals who want to build a future in the U.S.
Your Goals. Your Home. Your Brightside.
Home financing should feel empowering, not overwhelming. At Brightside Mortgage, we’re committed to helping you achieve homeownership with confidence, clarity, and peace of mind. Let’s turn your homeownership dreams into reality—together.
