ITIN Mortgages

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 loan options, you can take control of your financial future by building home equity sooner without having to meet the typical, tighter mortgage qualifications.

Standard ITIN

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

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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