ITIN Loans
Secure Your Mortgage with ITIN Financing
Financing options available for individuals with an ITIN
Flexible eligibility criteria tailored to ITIN holders
Competitive rates and terms
888-549-1005
Call for a Free Mortgage Saving Report
No Credit Checks Required
Get a Free Mortgage Saving Report
I consent to receive SMS notifications, alerts, and occasional marketing communications from the company.
FHA Loans
FHA Loans
Or Get a Free Rate Quote
1800-725-9946
Make your dream of owning a home a reality.
Low down payment options
Flexible credit requirements
Competitive interest rates we shop for you
888-549-1005
Call for a Free Mortgage Saving Report
No Credit Checks Required
ITIN Loans
Or Get a Free Rate Quote
1800-725-9946
Secure Your Mortgage with ITIN Financing
Financing options available for individuals with an ITIN
Flexible eligibility criteria tailored to ITIN holders
Competitive rates and terms
888-549-1005
Call for a Free Mortgage Saving Report
No Credit Checks Required
Get Approved for an ITIN Loan — Home Financing Made Easy Without a Social Security Number!
No Social Security Number Required: — Qualify using your Individual Taxpayer Identification Number (ITIN).
Perfect for Non-U.S. Citizens & Immigrants: — Buy your dream home even without a Green Card or U.S. residency.
Flexible Credit Requirements: — We offer options for borrowers with limited or no credit history.
Competitive Interest Rates: — We work hard to secure the best rates to lower your monthly payments.
Fast & Simple Pre-Approval: — Get approved quickly and start house hunting with confidence.
Low Closing Costs with No Hidden Fees: — Transparent terms and expert guidance to help you save more.
Get a Free Mortgage Saving Report
I consent to receive SMS notifications, alerts, and occasional marketing communications from the company.
Start with our Mortgage Approval Tool!
Start with our Mortgage Approval Tool!
Start with our Mortgage Approval Tool!
Home Purchase
Buying a home is a major investment,
requiring planning, budgeting, and research to secure the perfect property for long-term stability.
Home Refinance
Home refinancing replaces an existing mortgage with a new loan, often to lower interest rates, reduce payments, or access home equity.
Home Equity
Home equity is the property's market value minus any outstanding mortgage balance, allowing homeowners to borrow against their ownership stake.
Reverse
A reverse mortgage allows homeowners, typically seniors, to convert home equity into cash without monthly payments, repaid when they move or sell.
Our Service Commitment
No Hidden Fees: We believe in clear and upfront communication about all costs associated with your mortgage.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Get Expert Advise, every time from a licensed loan officer with a suite of products to choose from.
Our Team strives to deliver excellence, reach us day or night about any of your mortgage questions, we’re here for you when you need.
Working with us or just thinking of it, we will always be honest and transparent. No sales targets means way better service!
Largest Lender Network in Florida, Georgia & Texas
Our Service Commitment
Get Expert Advise, every time from a licensed loan officer with a suite of products to choose from.
Our Team strives to deliver excellence, reach us day or night about any of your mortgage questions, we’re here for you when you need.
Working with us or just thinking of it, we will always be honest and transparent. No sales targets means way better service!
No Hidden Fees: We believe in clear and upfront communication about all costs associated with your mortgage.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Available When & Where
You Want!
Across multiple states our Licensed Loan officers will help you from the application to the funding and beyond.
We work on your schedule, with streamlined technology and support staffing, your mortgage request will always be a priority!
Available When & Where You Want!
Across multiple states our Licensed Loan officers will help you from the application to the funding and beyond.
We work on your schedule, with streamlined technology and support staffing, your mortgage request will always be a priority!
Book an Appointment
Book an Appointment
Meet Our Team
Angle Ogbele
Natasha Staplowski
Darnell Smith
Arlan Zuberi
Meet Our Team
Angle Ogbele
Natasha Staplowski
Darnell Smith
Arlan Zuberi
What is ITIN Loans?
ITIN loans are mortgage loans available to borrowers who do not have a Social Security number but have an Individual Taxpayer Identification Number (ITIN). While ITIN loans are often associated with non-U.S. citizens who are not eligible for a Social Security number, they are not exclusively for non-citizens. In some cases, U.S. citizens who do not have a Social Security number, for various reasons, may also apply for an ITIN and potentially qualify for an ITIN loan.
The primary purpose of an ITIN is for tax filing with the Internal Revenue Service (IRS), but it can also be used to apply for credit and loans. ITIN loans are designed to help borrowers who are ineligible for traditional financing to purchase a home. These loans can be particularly useful for self-employed individuals or those with non-traditional income streams.
How Does an ITIN Loan Works ?
Income Verification: Instead of using the traditional W-2 forms to verify employment and income, lenders look at the borrower's 1099 forms. These forms show non-employee compensation for services rendered.
Documentation: Borrowers must provide their 1099 forms, for the last two years, to demonstrate a consistent and reliable income stream. Additional documentation, such as bank statements and a profit and loss statement, may also be required to further substantiate income.
Credit and Debt Ratios: As with other loan types, borrowers must meet credit score requirements and debt-to-income (DTI) ratios. The credit score minimums and acceptable DTI ratios can vary by lender but are usually similar to other non-conventional loan programs.
Loan Terms: 1099 loans often come with terms that are comparable to conventional loans, but the interest rates might be slightly higher due to the perceived increased risk of lending to borrowers with potentially variable income.
Down Payment: Borrowers may need to provide a larger down payment compared to conventional loans. The exact percentage can vary, but it is not uncommon for lenders to require 10-20% or more.
Down Payment: Borrowers may need to provide a larger down payment compared to conventional loans. The exact percentage can vary, but it is not uncommon for lenders to require 10-20% or more.
ITIN loans provide an opportunity for individuals with ITINs to invest in real estate and build equity in a property, despite not having a Social Security number. It's important for borrowers to shop around with different lenders to find the best terms and rates for their situation.
What is ITIN Loans?
ITIN loans are mortgage loans available to borrowers who do not have a Social Security number but have an Individual Taxpayer Identification Number (ITIN). While ITIN loans are often associated with non-U.S. citizens who are not eligible for a Social Security number, they are not exclusively for non-citizens. In some cases, U.S. citizens who do not have a Social Security number, for various reasons, may also apply for an ITIN and potentially qualify for an ITIN loan.
The primary purpose of an ITIN is for tax filing with the Internal Revenue Service (IRS), but it can also be used to apply for credit and loans. ITIN loans are designed to help borrowers who are ineligible for traditional financing to purchase a home. These loans can be particularly useful for self-employed individuals or those with non-traditional income streams.
How Does an ITIN Loan Works ?
Income Verification
Instead of using the traditional W-2 forms to verify employment and income, lenders look at the borrower's 1099 forms. These forms show non-employee compensation for services rendered.
Documentation
Borrowers must provide their 1099 forms, for the last two years, to demonstrate a consistent and reliable income stream. Additional documentation, such as bank statements and a profit and loss statement, may also be required to further substantiate income.
Credit and Debt Ratios
As with other loan types, borrowers must meet credit score requirements and debt-to-income (DTI) ratios. The credit score minimums and acceptable DTI ratios can vary by lender but are usually similar to other non-conventional loan programs.
Loan Terms
1099 loans often come with terms that are comparable to conventional loans, but the interest rates might be slightly higher due to the perceived increased risk of lending to borrowers with potentially variable income.
Down Payment
Borrowers may need to provide a larger down payment compared to conventional loans. The exact percentage can vary, but it is not uncommon for lenders to require 10-20% or more.
Down Payment
Borrowers may need to provide a larger down payment compared to conventional loans. The exact percentage can vary, but it is not uncommon for lenders to require 10-20% or more.
ITIN loans provide an opportunity for individuals with ITINs to invest in real estate and build equity in a property, despite not having a Social Security number. It's important for borrowers to shop around with different lenders to find the best terms and rates for their situation.
Benefits of ITIN Loans
Here are some of the key features of ITIN loans:
ITIN Requirement: Applicants must have an ITIN issued by the Internal Revenue Service (IRS) to file tax returns.
Tax Returns: Borrowers are required to provide two years of tax returns proving income, using their ITIN.
Down Payment: ITIN loans often require a higher down payment compared to conventional loans, usually around 15-30%.
Interest Rates: These loans may carry higher interest rates due to the perceived higher risk associated with borrowers who do not have an SSN.
Employment and Income Verification: Lenders will usually require proof of steady employment and income, such as pay stubs, employer verification, or bank statements.
Credit History: While a traditional credit report may not be available, lenders may still review payment histories with other accounts or alternative forms of credit to establish creditworthiness.
Property Types: ITIN loans can be used for purchasing various types of properties, including primary residences, second homes, and investment properties.
Loan Types: These loans can come in various forms, such as fixed-rate or adjustable-rate mortgages, and may have different terms and conditions.
Residency Status: Borrowers do not need to be U.S. citizens or permanent residents. ITIN loans are available to both legal residents and undocumented immigrants.
Documentation: Applicants will need to provide substantial documentation for assets, income, and identity.
Loan Amounts: The loan amounts can vary, and some lenders may have caps on how much they will lend to an ITIN borrower.
Closing Costs: As with any mortgage, there will be closing costs, which can include lender fees, appraisal fees, title insurance, and other related expenses.
These features make ITIN loans a viable option for individuals who are financially responsible but do not have an SSN and wish to own property in the U.S.
Benefits of ITIN Loans
Here are some of the key features of ITIN loans:
ITIN Requirement
Applicants must have an ITIN issued by the Internal Revenue Service (IRS) to file tax returns.
Tax Returns
Borrowers are required to provide two years of tax returns proving income, using their ITIN.
Down Payment
ITIN loans often require a higher down payment compared to conventional loans, usually around 15-30%.
Interest Rates
These loans may carry higher interest rates due to the perceived higher risk associated with borrowers who do not have an SSN.
Employment and Income Verification
Lenders will usually require proof of steady employment and income, such as pay stubs, employer verification, or bank statements.
Credit History
While a traditional credit report may not be available, lenders may still review payment histories with other accounts or alternative forms of credit to establish creditworthiness.
Property Types
ITIN loans can be used for purchasing various types of properties, including primary residences, second homes, and investment properties.
Loan Types
These loans can come in various forms, such as fixed-rate or adjustable-rate mortgages, and may have different terms and conditions.
Residency Status
Borrowers do not need to be U.S. citizens or permanent residents. ITIN loans are available to both legal residents and undocumented immigrants.
Documentation
Applicants will need to provide substantial documentation for assets, income, and identity.
Loan Amounts
The loan amounts can vary, and some lenders may have caps on how much they will lend to an ITIN borrower.
Closing Costs
As with any mortgage, there will be closing costs, which can include lender fees, appraisal fees, title insurance, and other related expenses.
These features make ITIN loans a viable option for individuals who are financially responsible but do not have an SSN and wish to own property in the U.S.
Features of ITIN Loans
Borrowers can enjoy several benefits from applying for an ITIN loan:
Homeownership Opportunity: ITIN loans provide a path to homeownership for those who do not have a Social Security number but have a tax identification number and meet other lending criteria.
Building Credit History: Borrowers can build or improve their credit history in the United States by making timely mortgage payments.
Investment Potential: Owning property can be a good investment, potentially increasing in value over time and offering the possibility of rental income.
Leverage: Instead of paying the full price in cash for a property, borrowers can leverage their capital by financing a portion of the purchase, which frees up funds for other uses or investments.
Fixed Payments: With a fixed-rate ITIN loan, borrowers have the stability of knowing their principal and interest payments will remain the same throughout the term of the loan, which aids in long-term budgeting.
Tax Advantages: Mortgage interest payments may be tax-deductible, which can provide a financial benefit at tax time.
Access to Competitive Rates: While ITIN loans may have slightly higher rates than traditional loans, they still allow borrowers to take advantage of relatively competitive mortgage rates.
Diversification: For non-residents, purchasing property in the US can diversify their investment portfolio into the stable US real estate market.
These benefits make ITIN loans an attractive option for those who are eligible and looking to purchase property in the United States without a Social Security number.
Features of ITIN Loans
Borrowers can enjoy several benefits from applying for an ITIN loan:
Homeownership Opportunity
ITIN loans provide a path to homeownership for those who do not have a Social Security number but have a tax identification number and meet other lending criteria.
Building Credit History
Borrowers can build or improve their credit history in the United States by making timely mortgage payments.
Investment Potential
Owning property can be a good investment, potentially increasing in value over time and offering the possibility of rental income.
Leverage
Instead of paying the full price in cash for a property, borrowers can leverage their capital by financing a portion of the purchase, which frees up funds for other uses or investments.
Fixed Payments
With a fixed-rate ITIN loan, borrowers have the stability of knowing their principal and interest payments will remain the same throughout the term of the loan, which aids in long-term budgeting.
Tax Advantages
Mortgage interest payments may be tax-deductible, which can provide a financial benefit at tax time.
Access to Competitive Rates
While ITIN loans may have slightly higher rates than traditional loans, they still allow borrowers to take advantage of relatively competitive mortgage rates.
Diversification
For non-residents, purchasing property in the US can diversify their investment portfolio into the stable US real estate market.
These benefits make ITIN loans an attractive option for those who are eligible and looking to purchase property in the United States without a Social Security number.
Quick Links
Other Links
Contact Information
RateShop Mortgage LLC is a licensed mortgage broker in FL, GA, and TX.
In accordance with federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, or age (provided you have the capacity to enter into a binding contract), nor do we discriminate because any part of your income is derived from public assistance programs, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580, is the federal agency responsible for administering these laws.
Copyright 2025. All Rights Reserved Rateshop.us
#1 Voted Mortgage Calculators in Canada
Our Mortgage Experts
Dylan James
Mortgage Agent Level 1
Abdoulaye Sow
Mortgage Agent Level 1
Michael Le Chi
Mortgage Agent Level 1
Heith Gharib
Mortgage Agent Level 1
Sara Fresco
Mortgage Agent level 1