ITIN home loans
No Social Security Number. Still a homeowner.
Your ITIN, your work history, and your down payment do the talking: 15-20% down at top tiers, gift funds allowed, and bank statement qualifying for business owners.
Program snapshot
ITIN loans at a glance
- Tax ID
- ITIN, no SSN needed
- Leverage
- to 80-85% on select tiers
- Income docs
- full doc or bank statements
- Credit
- alternative tradelines accepted
- Gift funds
- allowed
Program menus from specialty wholesale lenders. Tiers vary by credit depth, documentation, and down payment, and change without notice. Not an offer or approval.
Years of work and taxes should buy something.
We broker the specialty lenders whose ITIN programs treat your record as the qualification it is.
ITIN
is the only tax ID you need
You work here. You can own here.
You've been paying taxes with an Individual Taxpayer Identification Number for years; these programs treat that record as exactly what it is: a qualification. No Social Security Number required at any step.
- No SSN at any point in the file
- Your tax and work history do the talking
- First-time buyers welcome
85%
LTV on select tiers
A real down payment, not a wall
Top ITIN tiers reach 80 and 85% LTV, meaning 15 to 20% down buys a primary home, and gift funds from family can help carry it. The old assumption that ITIN means half down is years out of date.
- As little as 15% down at the top tier
- Gift funds from family allowed
- Primary residences and more
any doc
W-2, self-employed, or bank statements
However you earn, it counts
W-2 employees document normally. Self-employed borrowers, a huge share of ITIN files, qualify on tax returns or 12-to-24-month bank statements, so the restaurant, the crew, or the shop gets counted at its real strength.
- Full doc for W-2 earners
- Bank statement options for business owners
- Credit built with alternative tradelines counts
Built for how these files really look
Thin bureaus, family money, mixed-status households: all normal here.
Thin credit isn't no credit
No traditional credit score? Programs accept alternative tradelines: rent history, utilities, remittances, and insurance payments build the file. Years of paying everything on time counts, even when the bureaus weren't watching.
The whole household's strength
Multiple borrowers on one loan, mixed-status households where one borrower has an SSN and another an ITIN, and multigenerational purchases all have homes on this menu. The family that earns together qualifies together.
Down payment help that stacks
Gift funds from family are broadly allowed, and select down payment assistance programs work alongside ITIN lending. Bring us the whole picture and we'll stack what stacks.
Beyond the first home
ITIN programs run past primary residences into second homes and investor files on select menus, including DSCR structures where the property's rent qualifies instead of your income. Ownership is a ladder, and every rung exists here.
The same closing table as everyone else.
- 1
Send your scenario
ITIN, work history, and how you earn. If credit is thin, say so; alternative tradelines are normal here.
- 2
We match the tier
Doc style, down payment, and credit depth decide the tier, quoted across the specialty ITIN menu.
- 3
Close like anyone else
Normal purchase timelines, a normal closing table, and a deed with your name on it.
The quick eligibility check.
- No SSN required
- 15-20% down at top tiers
- Gift funds allowed
- Full doc or bank statements
- Alternative credit tradelines accepted
- First-time buyers welcome
Living abroad and investing in US property instead? The foreign national page is your door, no US credit file needed at all.
Straight answers
Can I really buy a home with just an ITIN?
Yes. ITIN mortgage programs exist specifically for taxpayers without Social Security Numbers, and they're a mature, competitive corner of the Non-QM market. Your ITIN, your work history, and your down payment carry the file.
How much do I need down?
Top tiers run to 80 and 85% LTV, so 15 to 20% down, with gift funds from family allowed toward it. Deeper credit and cleaner documentation reach the better tiers, and we quote the ladder so you can see what improves your position.
I don't have a credit score. Is that the end?
No. Alternative tradelines, rent, utilities, phone plans, insurance, remittance history, can build the credit file when the bureaus are thin. Twelve months of documented on-time rent is especially powerful.
I own a business and my tax returns run lean. What then?
Bank statement qualifying: 12 to 24 months of deposits stand in for tax returns, the same alt-doc logic our self-employed programs use everywhere else. The business's real cash flow gets counted.
My spouse has an SSN and I have an ITIN. Can we buy together?
Yes, mixed-status households are common files here, and combining both incomes usually strengthens the application. We'll structure whichever combination qualifies best.
How is this different from a foreign national loan?
Geography, mostly. ITIN programs serve people who live and work in the US and pay taxes here without an SSN. Foreign national programs serve buyers who live abroad and are investing from outside the country; that's its own page. If you're not sure which you are, one conversation sorts it.
You've done the work. The deed is the next step.
Two minutes to send your scenario. No cost, no obligation, and a team that closes ITIN files as a specialty, not a favor.
Guthix Lending • NMLS# 2672037 · ITIN loan programs are alternative-documentation loans subject to identity, work-history, credit or alternative-tradeline, and down payment requirements, which vary by program and tier and change without notice; leverage shown reflects the most favorable available tiers. Nothing here is immigration or legal advice. Not all borrowers will qualify. This is not a commitment to lend or an offer of specific terms.