Many people who pay U.S. taxes with an Individual Taxpayer Identification Number (ITIN) don't know they can buy a home. ITIN mortgages are offered by Non-QM lenders and work much like other loans, with flexible ways to show credit and income.
Who Qualifies
Borrowers with a valid ITIN who can document steady income and a history of paying bills. You don't need a Social Security number or U.S. citizenship, but you need lawful identification and a valid ITIN.
ITIN Loan Requirements
| Guideline | Typical | Strongest files, at some lenders |
|---|---|---|
| Credit score | 660–680 | From about 640, or alternative credit |
| Max LTV, primary purchase | 75–80% | Up to 85% |
| Max LTV, cash-out | 65–70% | Up to 75% |
| Investment property | 60–70% | Up to 70–75%, including DSCR |
| Income | Tax returns with ITIN or 12–24 months of bank statements | DSCR for rentals |
| Debt-to-income | Up to 45–50% | Up to 50% |
| Loan size | Up to $1–1.5 million | Up to $1.5 million |
Documents You'll Need
- IRS ITIN assignment letter
- Unexpired passport or consular ID
- Proof of income: tax returns filed with your ITIN, or bank statements if you're self-employed
- Credit: a U.S. credit report, or alternative credit such as 12 months of rent, utility, phone, or insurance payments
- Bank statements showing your down payment and closing funds
How Alternative Credit Works
If you don't have a U.S. credit score, or only a thin file, some lenders build a credit history from on-time payments: rent, utilities, phone, car insurance, and similar bills, usually for 12 months. Canceled checks, bank statements, or letters from the providers document it.
How to Prepare
- File your taxes every year with your ITIN.
- Keep your ITIN active. ITINs expire if they aren't used on a tax return for three consecutive years.
- Pay rent and bills on time, and keep receipts or bank records.
- Deposit your income into a bank account so it can be documented.
- Save for the down payment, closing costs, and a few months of reserves.
ITIN Loan FAQ
Can I get a mortgage with an ITIN number?
Yes. ITIN loans are offered by Non-QM lenders for primary homes, and often for second homes and investment properties.
How much down payment do I need for an ITIN loan?
Often 15–20% on a home you'll live in, depending on credit and the lender, and more for investment properties or cash-out refinances.
Do I need a credit score?
Not always. Many ITIN programs accept alternative credit, like 12 months of on-time rent and utility payments.
Can I buy an investment property with an ITIN?
Yes, with some lenders, including DSCR-style loans that qualify on the property's rent.
In the financial industry since 2015. Licensed loan officer in Los Angeles, California. NMLS #1493724, with UTM Financial, LLC (NMLS #2591548). More about Ivan
This article is general education, not financial, tax, or legal advice. Loan guidelines vary by lender and change often. Not a commitment to lend.