ITIN Mortgages

Buying a House
Without an SSN

Buying a house without an SSN? Our ITIN loans enable you to achieve homeownership without a Social Security Number requirement. With less strict requirements to qualify, this program allows you to achieve your homebuying goals as soon as you’re ready to begin!

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What’s an ITIN Mortgage?

An Individual Taxpayer Identification Number (ITIN) mortgage is designed for individuals without a Social Security Number (SSN) and provides a pathway to homeownership, regardless of immigration status. With these flexible ITIN loans, you can take control of your financial future by building home equity sooner without having to meet the typical, tighter mortgage qualifications.

Standard ITIN Loans

How do you qualify?

85% financing up to FHA loan limits*
Minimum credit score of 600

Are you eligible?

DACA
No SSN required
Valid, non-expired ITIN
Self-employed, W2, 1099, and gig workers with at least 2 years of employment
Owner-occupied, second homes, and investment property types

Low Down Payment ITIN Loans

How do you qualify?

96.5% financing up to FHA loan limits*
No income or asset seasoning required
Minimum credit score of 600
40-year amortization with an equity right

Are you eligible?

DACA
No SSN required
Valid, non-expired ITIN
Self-employed, W2, 1099, and gig workers with less than 1 year of employment
Owner-occupied and second homes

*To learn more about your county’s FHA loan limits, please visit: U.S. Department of Housing and Urban Development

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Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.

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Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.
Noah B.
Good communication, great staff and high level of professionalism.
James G.Company Name
The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.
Brian S.Company Name
Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.
Andriry K.Company Name
Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family to RWM.
Kirk C.Company Name
The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.
Angelina B.Company Name
You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way.
Julie M.Company Name
The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn’t miss my vacation.
Melody T.Company Name
Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.
Ana E.Company Name
Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow process.
Cassandra C.Company Name

4.9

348 Reviews

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