ITIN Mortgages for Borrowers Without an SSN
ITIN mortgages are home loans for borrowers who file taxes using an Individual Taxpayer Identification Number instead of a Social Security Number. They are available for primary residence purchase and refinance, with standard underwriting on credit, income, and employment — just substituting the ITIN for the SSN field.
Highlights
- •ITIN accepted in place of SSN
- •Primary residence purchase and refinance
- •W-2 or self-employed (bank-statement) income both accepted
- •15% down typical (some programs 10%)
- •Borrower must have filed US taxes 2+ years
Who it's for
Long-term US residents who file taxes with an ITIN, mixed-status families with one ITIN borrower and one SSN borrower (some programs require all borrowers be ITIN), and DACA recipients (often eligible separately).
Frequently asked questions
What documents replace an SSN?
A current ITIN letter (CP-565), valid passport from country of citizenship, a state ID or driver's license, and 2 years of US tax returns filed under the ITIN.
What credit history is acceptable?
A US credit report with at least 2 trade lines and 12 months of history is preferred. Some programs accept 12 months of alternative credit (rent, utilities, cell, insurance) in lieu of a FICO score.
How much down payment is required?
Most ITIN programs require 15% down on a primary residence. A few specialized lenders go to 10% with strong credit.
Can I refinance an existing ITIN mortgage?
Yes. Rate-term and cash-out refinance both available. Cash-out LTV is typically 5% lower than purchase.
Want to see if you qualify?
Get an instant rate from hundreds of lenders, no signup required.
Related programs
Bank Statement Mortgages for Self-Employed Borrowers
Bank statement mortgages qualify self-employed borrowers using 12 or 24 months of personal or business bank deposits. No tax returns. Up to 90% LTV.
Asset-Qualifying Mortgages (Asset Depletion)
Asset-qualifying (asset depletion) mortgages let high-net-worth borrowers qualify using liquid assets in lieu of income. Ideal for retirees and investors.
Today's mortgage rates
Conventional
5.875%
5.911% APR
FHA
5.250%
5.278% APR
VA
5.250%
5.275% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.