Buying a home with an ITIN
Millions of people pay US taxes using an Individual Taxpayer Identification Number, and a great many of them assume homeownership is closed to them. It is not. ITIN lending exists, it is legitimate, and it closes.
Sam Ahmed
Co-Founder & Operations Manager · NMLS #221307
What an ITIN loan is
An ITIN mortgage qualifies you on your tax identification number rather than a Social Security number. The lender is underwriting the same fundamentals as any other file — can this borrower repay, and is the property worth what is being financed.
These are portfolio products rather than agency-backed ones, which is why fewer institutions offer them and why a brokerage with a wide lender network matters more here than almost anywhere else.
What strengthens the file
Consistency is the theme. Lenders in this space want to see a settled pattern rather than a snapshot.
- A steady filing history under the same ITIN, ideally several consecutive years.
- Documented, traceable income — deposits that match what was filed.
- A record of paying housing costs on time, even where that was rent.
- Savings that survive the transaction rather than being entirely consumed by it.
What about privacy
We are a mortgage brokerage. We collect what underwriting requires in order to make a lending decision, and we handle it in accordance with applicable privacy law. That is the whole of it.
We can conduct this conversation in Spanish if that is easier.
Common questions
- Do I need a Social Security number?
- No. That is the entire point of the program.
- How much filing history do I need?
- Programs vary, and a consistent history strengthens the file considerably. Tell us what you have and we will tell you what it supports.
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This article is general information, not financial advice or a commitment to lend. Program availability depends on credit approval, property valuation, income and asset verification, and eligibility. Powered by NEXA Mortgage, LLC.