ITIN Loans
Home financing for ITIN tax filers without a Social Security number.
Built for borrowers who file taxes with an individual taxpayer identification number (itin) instead of a social security number.
You file and pay your taxes every year using an Individual Taxpayer Identification Number because you don't have a Social Security number. You've built a life, maybe a business, and you're ready to own a home — but most lenders' systems stop cold at the SSN field, as if paying taxes and holding a steady income don't count.
An ITIN loan is built for you. It lets tax-paying borrowers who use an ITIN finance a home without a Social Security number, using the income and credit history you have actually established. Many ITIN borrowers are self-employed, so these loans often pair naturally with the alternative income documentation used across our other programs.
July 2026 Update
July 2026 update: ITIN lending remains available for primary residences, second homes, and investment properties, including cash-out refinances. Because ITIN borrowers may have thinner or nontraditional credit, investors will often consider alternative tradelines — rent, utilities, insurance — alongside any conventional credit you have.
Expect to document a valid, current ITIN and a consistent tax-filing history. Income can typically be shown through the same alternative methods used on our other programs, such as bank statements or 1099s. Program availability and guidelines are subject to change without notice.
Program at a glance
The real guideline parameters for this program. Guidelines subject to change without notice.
How qualifying works
How ITIN qualification works
Instead of a Social Security number, you qualify with your ITIN and your documented tax and income history. Income is established the same way it is on our other self-employed programs — commonly bank statements or 1099s — so an ITIN borrower who owns a business follows a familiar alternative-documentation path, just anchored to the ITIN rather than an SSN.
Because some ITIN borrowers have limited conventional credit, underwriters frequently accept alternative tradelines to build a credit picture: 12 months of on-time rent, utility payments, insurance, or cell-phone history can demonstrate responsibility where a traditional credit file is thin. The stronger and more complete your documented history, the better your terms.
What you can finance
ITIN loans on this program reach up to 85% loan-to-value on loans to $2M, and they are not limited to a primary residence — second homes and investment properties are eligible, and cash-out refinancing is available for borrowers who have built equity and want to access it.
What you bring to the table
A valid, current ITIN; a consistent tax-filing history; income documentation through an accepted alternative method; and the assets for your down payment and reserves. As with every program here, an ability-to-repay determination is made. We will tell you up front which documentation path fits your situation best.
ITIN Loans vs. a conventional loan
The core difference between an ITIN loan and a conventional loan is the identifier you qualify under — but a few other terms follow from that.
| Feature | ITIN Loans | Conventional loan |
|---|---|---|
| Identifier | ITIN (no SSN required) | Social Security number required |
| Credit | Traditional and alternative tradelines | Traditional credit file |
| Income proof | Alternative docs (bank statements, 1099s) | Tax returns and full income docs |
| Loan amounts | Up to 85% to $2M | Conforming / high-balance limits |
| Occupancy | Primary, second, or investment | Primary, second, or investment |
Compare with related programs
ITIN Loans — frequently asked questions
Can I get a mortgage with an ITIN and no Social Security number?
Yes. This program is built for tax filers who use an Individual Taxpayer Identification Number instead of an SSN, using your documented income and credit history to qualify.
How much can I borrow with an ITIN loan?
Up to 85% loan-to-value on loans to $2M, subject to guidelines and your documentation.
What if I have little traditional credit?
Underwriters often accept alternative tradelines such as 12 months of on-time rent, utilities, insurance, or cell-phone payments to establish a credit picture where a traditional file is thin.
How do I prove my income?
Through accepted alternative documentation — commonly bank statements or 1099s — the same methods used across our other self-employed programs. No tax returns are required when you qualify with bank statements instead.
Can I buy an investment property with an ITIN loan?
Yes. This program allows primary residences, second homes, and investment properties, and cash-out refinancing is available.
Do I need to have filed taxes?
A consistent tax-filing history under your ITIN is important; it is a core part of demonstrating income stability and responsibility.
Can I do a cash-out refinance with an ITIN?
Yes, cash-out is available for ITIN borrowers who have built equity, subject to the applicable loan-to-value limits.
Is an ITIN loan the same as a foreign national loan?
No. ITIN loans are for tax filers with a U.S. tax and income history but no SSN. Foreign national loans are for borrowers with no U.S. credit, green card, or SSN, and use a different documentation approach.
How large a down payment do I need?
At least 15% for the top loan-to-value tier, with more required for larger loan amounts. We can map your down payment to the tier that fits your goal.
Talk to the Cook Brothers about your file
We shop your scenario across 25+ non-QM investors to find the guideline that fits how you actually earn. Start with the two-minute qualifier or reach out directly.
Non-QM loan programs. Alternative income documentation required. All loans subject to underwriting approval, income/asset verification, and ability-to-repay determination. Not all applicants will qualify. Program availability and guidelines subject to change without notice.