Quick answer
An ITIN mortgage is a non-QM home loan for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number. Lenders typically verify income with tax returns or bank statements, review traditional or alternative credit history, and require a larger down payment than conventional loans, often 15% to 25%.
What is an ITIN mortgage?
The IRS issues ITINs to people who need to file U.S. taxes but are not eligible for a Social Security number. Conventional and government-backed loans generally require a Social Security number, so ITIN borrowers turn to non-QM programs built for them. These loans can be used to buy a primary home and, with some programs, to refinance.
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Get an ITIN Mortgage Quote →Example rate only, 30-year fixed principal and interest. Not a loan offer; all loans subject to credit approval and underwriting.
Typical requirements
| Item | What lenders typically look for |
|---|---|
| Identification | Valid ITIN letter and government-issued photo ID |
| Income | Tax returns filed with the ITIN, or bank statements for self-employed borrowers |
| Credit | Credit report, or alternative credit such as rent and utility payment history |
| Down payment | Often 15%–25% |
| Reserves | Some months of payments saved after closing |
Typical ranges, not a quote. Terms and eligibility vary by lender and state.
Building the file
- Keep filing taxes with your ITIN. Two years of filed returns is the most common income proof.
- Document your rent history. Twelve months of on-time rent paid by check or bank transfer helps, especially without a long credit history.
- Season your down payment. Keep the funds in your account for at least two months before applying, and be ready to explain large deposits.
FAQ
Can I get a mortgage with an ITIN number?
Yes. Some non-QM lenders offer ITIN mortgages for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
How much down payment do I need for an ITIN loan?
Often 15% to 25%, depending on credit history, income documentation and the program.
Do I need a credit score for an ITIN mortgage?
Many programs use a credit report if you have one, and some accept alternative credit such as rent and utility payment history.
Are ITIN mortgage rates higher?
Usually. ITIN loans are non-QM and are typically priced above conventional loans.
Part of the self-employed and non-QM mortgage guide: bank statement, P&L, 1099, asset depletion, DSCR, WVOE, ITIN and foreign national loans.
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Keep reading
All Non-QM Mortgage Options
Seven ways to qualify without tax returns.
Bank Statement Mortgage
Self-employed? Qualify on deposits.
What Is a Non-QM Loan?
How non-QM mortgages work.