ITIN Program

Are you not an American citizen and have a ITIN and want to purchase a home? Here’s some information how.



About the program:

  • Available to non-citizens.
  • No social security is required.  Only a passport, drivers license, or other form of identification.
  • The flexible credit requirements allow you to use non-traditional sources of credit.
  • Rates are sometimes higher than on conventional loans.
  • Larger down payment sometimes required (most ITIN mortgage lenders will require a 10-30% down payment)
  • ITIN loans are only used for owner occupied (primary residence) homes.  


Minimal requirements:

  • Credit- There are flexible credit requirements.  Many lenders will consider using alternative forms of credit documentation, such as utility and phone bills.
  • Employment – You will need to provide proof of 2 years of consistent employment.
  • Tax Returns – Your lender will want to see the last 2 years of tax returns (W-2 or 1099).
  • Identification –MUST have a copy of your ITIN card, as well as a drivers license or passport
  • Bank Statements – Expect to provide 1 month bank statement

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