An ITIN mortgage lets borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number buy a home. These loans come from non-QM lenders, some credit unions and community lenders, not standard conventional or FHA programs. Expect a down payment of about 10% to 25%, higher rates, and documentation of two years of income and tax filings.
Typical requirements
- A valid ITIN and, usually, two years of tax returns filed with it.
- Steady income, documented by tax returns, pay stubs or bank statements.
- Credit history: a credit score if you have one, or nontraditional credit such as rent and utility payments; see mortgages with no credit score.
- A down payment, commonly 10% to 25%, and reserves.
- Government-issued photo ID, such as a passport.
Costs
Rates are usually higher than conventional loans, and fees can be higher too. Some loans carry prepayment penalties; check page 1 of the Loan Estimate and see prepayment penalties.
Try it: Compare mortgage offersCompare offers from several ITIN lenders on rate, fees and penalties.Where to look
- Community development financial institutions (CDFIs) and credit unions.
- Non-QM lenders and brokers that work with several of them.
- Local housing counseling agencies, which can recommend reputable lenders.
Improve your options
- Build credit with a secured card or credit-builder loan.
- Save a larger down payment for better pricing.
- Keep tax filings consistent and on time.
- Check local down payment assistance; some programs serve ITIN borrowers. See the assistance finder.
Estimate your budget with the affordability calculator at a higher rate, and see non-QM loans.
Common questions
Can I get a mortgage with an ITIN?
Yes, through non-QM lenders, some credit unions and community lenders.
How much down payment do ITIN loans require?
Commonly 10% to 25%.
Do ITIN loans have higher rates?
Usually yes, and some carry prepayment penalties, so compare several lenders.
Updated October 2026. Educational content. OfferBacked is not currently a lender and doesn’t issue pre-approvals or loans.