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Loan Programs

ITIN Loan

Potential financing for borrowers using an Individual Taxpayer Identification Number.

Apply for a Loan Call (949) 933-6309 →

Overview

Some specialty lenders consider eligible borrowers with an ITIN. Availability, identity documentation, income verification, residency requirements, and permitted properties vary by program.

An ITIN is a tax identification number and does not itself establish mortgage eligibility or immigration status. Confirm the actual lender’s requirements before making an offer based on an assumed program.

Who it's for

  • Long-term U.S. residents who file taxes with an ITIN
  • Self-employed business owners without an SSN
  • Buyers seeking a primary residence
  • Investors using ITIN-eligible programs for rental properties

What's typically reviewed

  • Valid ITIN
  • 2 years of tax returns (or alternative documentation per program)
  • Credit history (some programs accept alternative tradelines)
  • Reserves and verified employment or business activity

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

Browse more programs

Other programs you might be looking for

Purchase Loan

Financing to buy a primary residence, second home, or investment property.

Rate & Term Refinance

Replace your current mortgage with a new one at a different rate or term — without taking cash out.

Cash-Out Refinance

Replace your existing mortgage with a larger loan to access available equity.

Conventional Loan

Mortgage financing that is not insured or guaranteed by a government agency.