No SSN Required

ITIN Mortgage Loan

These loans are designed to assist non-U.S. citizens in purchasing a home, giving access to the American dream of homeownership to more buyers.


  • Opportunity for non-U.S. citizens to buy a home
  • No social security number required
  • No visa required
  • Can use gift funds for down payment & closing costs


  • A valid ITIN card or a letter from the IRS that clearly shows your ITIN number is required
  • Minimum down payment of 15% (California requires 20% down)
  • Minimum credit score of 660
  • Applicants should have a two-year employement history

What are ITIN Loans?

An ITIN mortgage loan is also known as an ITIN loan and is a unique path toward homeownership for individuals who hold an Individual Taxpayer Identification Number (ITIN) but do not possess a Social Security number. These loans are designed to assist non-U.S. citizens in purchasing a home, facilitating access to the American dream of homeownership for a broader range of individual

Understanding ITIN Loans

An ITIN number is a tax processing identifier issued by the Internal Revenue Service (IRS) for individuals who require a U.S. taxpayer identification number but are ineligible to obtain a Social Security Number (SSN)​. ITIN mortgage loan programs are specially crafted to make homeownership more accessible, allowing individuals with an ITIN number to apply for a mortgage loan, even if they lack a Social Security number​.

How A ITIN Mortgage Loan Works

Mortgage loans with an ITIN number function similarly to traditional mortgage loans. You apply for the loan, provide the necessary documentation, and undergo a credit check. However, you provide your ITIN number instead of a Social Security number, which is used for all tax-related purposes associated with the loan​​.

Benefits of an ITIN Mortgage Loan

  • Opportunity for Non-U.S. Citizens: ITIN loans offer non-U.S. citizens the opportunity to purchase a home and invest in their future​​.
  • No Social Security Number Required: The loan application process does not require a Social Security number, which is a significant barrier for non-U.S. citizens seeking home loans.
  • Potential for Refinancing: You can refinance your ITIN mortgage loan, potentially securing a lower interest rate, reducing your monthly payments, or changing your loan term​​.
  • Acceptance of Gift Funds: ITIN loan programs allow gift funds to be used towards the purchase of a home.

Eligibility Requirements for ITIN Loans

  • Valid ITIN Card or IRS Letter: A valid ITIN card or a letter from the IRS that clearly shows your ITIN number is required​​.
  • Minimum 15% Down Payment:* Applicants must have a minimum down payment of 15% of the home’s purchase price​​.
  • Minimum Credit Score of 660: A minimum credit score of 660 is generally required to qualify for an ITIN mortgage loan​.
  • Two-Year Employment History: Applicants should have a stable employment history for at least the past two years​.

*The 15% down payment option applies to all states EXCEPT California. In California, the minimum required down payment is 20%. 

Please note, each lender may have additional requirements or variations on these basic eligibility criteria.

ITIN Loan Program Guidelines

JVM Lending’s ITIN loan program guidelines are designed to help borrowers living and working in the U.S. with an ITIN number but no Social Security number. Both full and alternative documentation are accepted, and the program allows:

  • LTV up to 85%
  • DTI up to 55%
  • 12 Months Income Documentation
  • Most Property Types Accepted
  • Gift Funds Allowed
  • No Visa Required
  • Valid ID
  • Cash-Out Refinance Available up to 75% (Not available in TX or with Credit score < 640)

Remember, other program requirements may apply, and it’s always a good idea to reach out to potential lenders to understand their specific requirements for ITIN mortgage loans.

ITIN Mortgage Loan Rates

It’s important to note that ITIN mortgage loan rates can vary based on several factors, including your credit score, the amount of the loan, and the term of the loan. The interest rates for these loans are typically a few percentage points higher than those for conventional loan products, due to the perceived risk associated with lending to individuals who may not have a traditional credit history or Social Security number.

Frequently Asked Questions About ITIN Loans

Can I get an ITIN mortgage loan if I don’t have a credit history?

Yes, some lenders offer ITIN mortgage loans to borrowers without a credit history. However, please note that these loans may come with higher interest rates and additional requirements​​.

Can I refinance my ITIN mortgage loan?

Yes, you can refinance your ITIN mortgage loan. Refinancing can help you secure a lower interest rate, reduce your monthly payments, or change your loan term. However, the specific terms and conditions will depend on your lender and your financial situation​.

Can I use an ITIN loan to purchase an investment property?

The use of ITIN loans for investment properties will depend on the specific policies of the lender. Some lenders may allow ITIN loans to be used for investment properties, while others may restrict their use to primary residences. If you have questions about this, please contact JVM Lending.

Can I use gift funds for my down payment on an ITIN mortgage loan?

Yes, the ITIN loan program guidelines allow for gift funds to be used toward the purchase of a home. However, it’s always best to check with your lender to understand their specific requirements and policies regarding gift funds.

Take the Next Step with JVM Lending

When it comes to securing your ITIN mortgage loan, selecting a mortgage lender with a strong track record in ITIN home financing is crucial. At JVM Lending, we understand the intricacies of ITIN mortgage loans and are committed to guiding you through every step of the process, ensuring a smooth, stress-free journey toward homeownership for everyone. Don’t wait another day to make your dream home a reality! Contact a mortgage expert at JVM Lending to get started.


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