Qualify for a mortgage using your Individual Taxpayer Identification Number (ITIN). No Social Security number required. Explore your path to homeownership today.
ITIN Loans for Homebuyers Without Social Security Numbers
Many hardworking people pay U.S. taxes using an Individual Taxpayer Identification Number, also called an ITIN. An ITIN Loan gives those borrowers a way to buy or refinance a home even without a Social Security Number. The JD.Mortgage team at PRMG builds clear, responsible financing paths for ITIN borrowers in 49 states (New York excluded).
What Is an ITIN Loan?
An ITIN Loan is a mortgage program for borrowers who file taxes using an Individual Taxpayer Identification Number instead of a Social Security Number. These programs verify income, credit, and residency just like traditional loans — they simply use an ITIN for identification.
Who ITIN Loans Help
- Borrowers who file taxes with an ITIN issued by the IRS
- Permanent and non-permanent residents who earn income in the U.S.
- Self-employed workers paid in cash or by contract
- Families who have built strong credit histories without an SSN
How ITIN Loans Work
The process mirrors any other mortgage. You’ll provide income documents, verify credit, and show legal U.S. residency status. The difference is in the ID field: instead of a Social Security Number, we use your valid ITIN.
- Credit history: U.S. or foreign credit reports may be used
- Income verification: pay stubs, W-2s, 1099s, or tax returns
- Self-employed options: bank statements or profit-and-loss statements accepted in many cases
Typical Program Features
- Credit scores: programs start near 620 and up
- Down payments: generally 10–20%, depending on score and income
- Loan amounts: range from entry-level to jumbo, with higher review at top tiers
- Property types: primary homes, second homes, and investment properties
- No PMI: private mortgage insurance typically not required
Required Documents
- Valid ITIN issued by the IRS
- Two years of tax returns filed with that ITIN
- Recent pay stubs or proof of self-employment income
- Photo ID (passport, consular, or national ID accepted)
- Proof of current U.S. residence (utility bill, lease, etc.)
Why ITIN Loans Exist
Many ITIN holders contribute to the U.S. economy but are shut out of traditional lending systems. These programs recognize real income and consistent payment history. They make homeownership possible for people who already meet every responsibility — except holding an SSN.
Rates and Costs
Rates are typically higher than conventional loans because documentation rules differ. Your exact terms depend on credit, down payment, and verification type. The JD.Mortgage team compares multiple channels to find your strongest fit.
Why the JD.Mortgage Team
As a hybrid lender and broker, we have flexibility to match each ITIN borrower with the right program. We verify documents early, explain every step in plain language, and keep the process transparent from application to closing.
Related Guides
Consumer Education
Learn more about mortgage basics and consumer rights at the Consumer Financial Protection Bureau (CFPB).
Frequently Asked Questions
Can I buy a home without a Social Security Number?
Yes. If you have a valid ITIN and can verify income, credit, and U.S. residence, you may qualify for an ITIN Loan.
What is an ITIN?
It stands for Individual Taxpayer Identification Number. It’s issued by the IRS for people who pay taxes but are not eligible for an SSN.
Do I need a U.S. credit report?
Preferred, but not required. We can often use international credit or alternative documentation like rent or utility payments.
How much down payment do I need?
Programs typically require 10–20% down, depending on credit and loan size.
Can I use self-employment income?
Yes. Bank statements, invoices, or tax returns can show income for ITIN borrowers who run small businesses or freelance.
Is PMI required?
No. Most ITIN loans do not require private mortgage insurance.
What property types are eligible?
Primary homes, second homes, and some investment properties are usually allowed, including condos and 1–4 unit homes.
How long does the process take?
Most ITIN loans follow standard mortgage timelines. We pre-underwrite up front to avoid surprises later.
Connect with the JD.Mortgage Team to start your ITIN home loan path.