ITIN Loans for Borrowers Without a Social Security Number

For individuals who live and work in the U.S. but don’t have a Social Security number, ITIN loans offer a powerful path to homeownership. If you’ve been told you don’t qualify for a mortgage simply because of your immigration status, the JD.Mortgage team can help you explore flexible options designed to break down those barriers. These loans are built specifically for borrowers who file taxes with an Individual Taxpayer Identification Number (ITIN)—not a Social Security number.

Explore your options with a team that understands ITIN financing and can guide you every step of the way.

What Is an ITIN Loan?

ITIN loans are non-traditional mortgage programs designed for foreign nationals, undocumented immigrants, or other individuals without lawful permanent residence status who do not have a U.S. Social Security number. Instead, borrowers qualify using their Individual Taxpayer Identification Number, which they use to file U.S. tax returns. These loans are considered part of the broader Non-QM loan category, meaning they fall outside conventional underwriting guidelines but still provide reliable access to home financing.

Learn more about loan options available to unique borrowers.

Who Qualifies for an ITIN Loan?

Qualifying for an ITIN loan requires specific documentation, but eligibility is broader than you might expect. You may qualify if you:

• File taxes using an ITIN
• Have verifiable income (self-employed or W-2)
• Can provide valid photo identification (passport, consular ID, etc.)
• Can show at least 2 years of tax returns
• Have a minimum down payment (often 10–20%, depending on credit)

Reach out to see if you qualify for an ITIN loan today.

Benefits of ITIN Loans

ITIN loans create opportunities where traditional loans fall short. Some key advantages include:

• No Social Security number required
• Available to self-employed and W-2 earners
• No U.S. residency or citizenship requirement
• Flexible documentation options
• Ability to buy a primary residence, second home, or investment property

Explore more flexible mortgage solutions that fit your income or documentation profile.

ITIN Loan Challenges (and How We Help You Overcome Them)

Borrowers using an ITIN may run into higher interest rates, larger down payment requirements, or lenders unfamiliar with non-traditional loans. The JD.Mortgage team partners with lenders who specialize in ITIN financing, giving you access to more competitive options and expert support.

See how our mortgage process keeps you informed and empowered.

How to Apply for an ITIN Loan

Getting started is easier than you think. Here’s what you’ll need to prepare:

• Your current ITIN number
• Two years of tax returns
• Proof of income (bank statements, pay stubs, or profit/loss statements)
• Valid ID (foreign passport or consular ID)
• Proof of residency (lease, utility bills, etc.)

Start your journey toward homeownership now. No credit score? No problem—we’ll guide you through custom options that fit your unique profile.

Common Questions About ITIN Mortgages

Do I need a credit score to get an ITIN loan? While having a credit score helps, some lenders will accept alternative credit documentation like rent history, utility payments, or bank statements.

Can I buy an investment property with an ITIN loan? Yes—some programs allow for investment or second-home purchases in addition to primary residences.

Will I need a bigger down payment? Many ITIN loans require at least 10–20% down. Your exact amount will depend on your credit profile, reserves, and loan structure.

Let’s talk through your goals and what’s possible for your home purchase or refinance.

Why Work with the JD.Mortgage Team?

Not every lender understands ITIN loan guidelines, but we do. Our team works with mortgage investors who offer ITIN loans across 49 states (excluding New York), providing one-on-one support from application through closing. We understand the challenges immigrant borrowers face and are here to simplify the process while offering competitive loan solutions.

Contact us today for a private, no-obligation conversation about your mortgage options.

Your Next Step Toward Homeownership

If you’ve been waiting for the right time—or the right lender—to help you buy a home without a Social Security number, the wait is over. Our ITIN loan programs offer the flexibility and access you need to take control of your future.

Let’s get started today with a quick conversation about what’s possible for you.

Other Loan Programs to Explore

In addition to ITIN loans, the JD.Mortgage team also offers a wide range of programs tailored to diverse needs:

• VA Loans (including no minimum credit score)
• FHA Loans
• USDA Loans
• Down Payment Assistance
• Investment Property Loans
• Non-QM Products like DSCR and Bank Statement Loans
• HELOCs and Second Mortgages
• Reverse Mortgages and Construction Loans
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