ITIN Mortgage Loans — No SSN Required
No Social Security Number. No green card. No credit score. No US tax returns. There is a path for each situation — Liuver will find yours.
You don't need:
This applies whether you pay taxes or not, whether you have a credit score or not, and even if you have been in the US for only a short time.
Programs for your situation
ITIN Bank Statement Loan
Qualify using 12–24 months of bank deposits. No SSN, no tax returns, no FICO required on select programs.
- Up to 90% LTV
- FICO from 620 — or no score on select programs
- 12 or 24-month bank statements
- No US tax returns required
- 1 year self-employment accepted
ITIN Full Doc
Standard documentation using your ITIN instead of SSN. Works if you receive W2 or 1099 income.
- W2 or 1099 income accepted with ITIN
- Conventional and Non-QM programs
- FICO from 620
- Up to 90% LTV on primary residence
- 2-year employment history required
ITIN DSCR (Investment Property)
Own a rental property using your ITIN. Qualification is based on the rent the property generates — not your personal income or taxes.
- No personal income docs needed
- Qualify on DSCR ratio (rent vs. mortgage)
- LLC or individual borrower
- FICO from 620
- Up to 75–80% LTV
DACA / Dreamer Mortgage
Home loans for DACA recipients. Active work authorization accepted — no green card or citizenship required.
- Valid Employment Authorization Document (EAD)
- FICO from 620
- FHA, conventional and Non-QM options
- Primary residence purchase and refinance
- Active DACA status required at closing
General Requirements
- Valid ITIN or EAD (for DACA recipients)
- FICO 620+ — or no score (alternative programs available)
- 2+ years US residency or employment history
- No SSN or green card required
- No US tax returns required on bank statement programs
- Available in TX, FL, CA, OK and more states
No credit score? Liuver works with lenders who accept alternative credit history: rental payments, utility bills, insurance records.
Keep learning
Can I Buy a House Without a Social Security Number?
Yes — you can buy a home in the U.S. with an ITIN instead of a Social Security Number. I have walked dozens of families through exactly this, and here is what I tell them, with real numbers.
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Can You Buy a House with an ITIN Number? Yes — Here's How
No green card, no Social Security number? That doesn't mean no house. I help clients with ITIN numbers buy homes in Texas and Florida every day — let me show you how it works.
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You Can Buy a Home with a Work Permit & SSN — No Green Card Needed
Your immigration status doesn't have to stop you from owning a home. Here's exactly how it works in Texas and Florida.
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