ITIN Home Financing
If you live and work in the United States, you can use your Individual Tax Identification Number to finance a home. No Social Security number required.A path to homeownership without a Social Security number
Many people who live, work and pay taxes in the United States do not have a Social Security number. An ITIN loan lets you qualify for a home loan using your Individual Tax Identification Number instead, with financing available for both purchases and refinances. It is a straightforward, fully documented path to owning the home you already call yours.
Program overview
Purchase or refinance
Buy your first home or refinance one you already own, with loan amounts starting at $50,000 and no prepayment penalties.
Your ITIN is enough
Qualify with your Individual Tax Identification Number. A Social Security number is not required at any point in the process.
Flexible credit
Credit scores from 600 are accepted, and borrowers with no credit history at all can still qualify.
What to expect
Plan for a minimum down payment of 15 percent of the purchase price. Gift funds from family are allowed toward your down payment, and no cash reserves are required after closing. Rates and terms are confirmed with your Loan Advisor based on your situation.
Click the flyer to view it full size.
Hablamos espanol. Our team includes bilingual Loan Officers who can walk you through the whole process in Spanish, from first question to closing day.
See if an ITIN loan is right for you
Our experienced Loan Advisors can walk you through eligibility and the numbers. Call 303-416-7000 or reach out below.