What is an ITIN mortgage?
An ITIN mortgage is a home loan for borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number — no green card or US citizenship required.
An ITIN is issued by the IRS to people who need to file or pay taxes but are not eligible for an SSN. Lenders who specialize in ITIN mortgages use that number in place of an SSN to verify identity and credit, and they accept alternative credit history — rent payments, utility bills, insurance records — when a traditional FICO score does not exist. The result is a real path to homeownership for immigrants who pay taxes and work in the US.
ITIN programs overlap with Non-QM: bank-statement qualification for the self-employed, DSCR for investors who hold the property in an LLC, and full-doc programs for W-2 or 1099 earners. DACA recipients with valid work authorization also qualify. Down payments start around 10–20%, and these loans are available in Texas, Florida, and more states.
ITIN at a glance
ITIN mortgages: did you know?
A few facts that change how immigrant buyers approach homeownership.
An ITIN is an IRS number, not an SSN
The IRS issues an ITIN to people who need to file or pay taxes but are not eligible for a Social Security Number. Lenders use it in place of an SSN to verify identity and pull credit — proof that paying taxes opens a path to a mortgage.
No credit score? Alternative credit works
When a FICO score does not exist, ITIN lenders accept alternative credit history: 12 months of on-time rent, utility bills, insurance, and phone payments. A thin file does not close the door.
Bank-statement ITIN needs no tax returns
Self-employed ITIN borrowers can qualify on 12–24 months of bank deposits — no US tax returns, no SSN, and on select programs no FICO at all. One year of self-employment can be enough.
Investors can use ITIN + DSCR
An ITIN holder buying a rental can qualify on the rent the property generates (DSCR) — no personal income docs — and hold the property in an LLC. Up to 75–80% LTV.
DACA recipients qualify with an EAD
DACA beneficiaries with a valid Employment Authorization Document can buy or refinance a primary residence — FHA, conventional, and Non-QM options exist. Active DACA status is required at closing.
Available in TX, FL and more
ITIN mortgages are not nationwide, but they cover Texas, Florida, and a growing list of states — so the same family can buy in Houston, Miami, or beyond.
ITIN Bank Statement / P&L Payment Calculator
Non-QM ITIN program from one of our lenders. 30-year fixed. Your rate is set by your credit tier and down payment — minimum 10% down. Estimate your true monthly payment below.
ITIN Bank Statement / P&L Payment Calculator
Non-QM ITIN program from one of our lenders. 30-year fixed, no PMI. Rate is set by your credit tier and down payment — min 10% down.
These are 2026 reference rates only, for illustration. They are NOT a guarantee of actual numbers. Your final rate and payment depend on lender approval and your complete file.
Priced at the 15% tier (closest rate sheet bracket). Program minimum is 10%.
Credit Score Tier
Taxes estimated at 1.802%/yr of price (per rate sheet).
Rate Sheet Reference (ITIN, 30-yr fixed)
| Credit Tier | 10% down | 15% down | 20% down | 30% down |
|---|---|---|---|---|
| 740+ | 10.875% | 8.490% | 8.250% | 7.625% |
| 720–739 | 10.875% | 8.625% | 8.375% | 8.000% |
| 700–719 | 10.875% | 8.750% | 8.490% | 8.125% |
| 680–699 | 10.875% | N/A | 8.875% | 8.490% |
| 660–679 | 10.875% | N/A | 9.490% | 9.125% |
| No Score | 11.625% | 11.125% | 10.490% | 10.250% |
2026 reference rates from one of our lenders’ ITIN rate sheets, for illustration only — NOT a guarantee of actual numbers. Final rate = base − 0.500% (SFR Owner Occupied Detached). At 10% down: 10.875% with a credit score ≥660, 11.625% with no score. 85% LTV (15% down) available only with ITIN for $75K–$1.2M primary. Minimum credit score 600 (purchase). "No Score" treated as <660. N/A = that score/LTV combination is not available. Your final rate and payment depend on lender approval and your complete file.
Who an ITIN mortgage fits best
- Immigrants who file and pay US taxes with an ITIN and want to buy a home.
- Self-employed ITIN borrowers who qualify on bank statements, no tax returns.
- ITIN investors buying a rental property on a DSCR program.
- DACA recipients with valid work authorization buying a primary residence.
- Buyers with no FICO score who can show alternative credit (rent, utilities, insurance).
ITIN mortgage FAQ
Yes. ITIN mortgages are built exactly for that. Lenders use your ITIN in place of an SSN to verify identity and credit, and no green card or US citizenship is required. You do need a valid ITIN and a work or residency history in the US.
Educational content only. This page is not financial, legal, or tax advice, a commitment to lend, or an offer of credit. Program requirements and terms vary by lender and change over time; figures cited reflect the sources below as of the dates noted, and eligibility always depends on your full financial profile. Liuver Duran, NMLS #2579601. Sociable Mortgage LLC, NMLS #2498240. Equal Housing Opportunity.