Licensed Mortgage Loan Officer · NMLS #2103600 · Nationwide
ITIN Loans — Home Financing Without a Social Security Number
If you file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number, you can still become a homeowner. ITIN loans offer down payments as low as 3.5%, and Vanessa Schlitt — fluent in English, Spanish, and Portuguese — guides borrowers through the process nationwide.
What Is an ITIN Loan
A Real Path to Homeownership Without an SSN
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to people who need to file U.S. taxes but aren't eligible for a Social Security Number. An ITIN loan lets you use that number, along with your filed tax returns and proof of income, to qualify for a mortgage — no SSN required.
This program exists because plenty of people who live, work, and pay taxes in the United States don't have a Social Security Number, but they absolutely have the income and stability to responsibly own a home. Vanessa works with ITIN borrowers across the country and communicates fluently in English, Spanish, and Portuguese to make the process clear.
Qualifying
What You'll Typically Need
- A valid ITIN assignment letter from the IRS
- Two years of filed tax returns
- Consistent employment or self-employment income
- Valid government-issued identification
- Down payment funds (as low as 3.5% on qualifying programs)
Common Questions
ITIN Loan FAQ
What is an ITIN loan?
An ITIN loan is a mortgage designed for borrowers who file taxes using an Individual Taxpayer Identification Number instead of a Social Security Number. It's a path to homeownership for people who live and work in the U.S. but don't have SSN-based work authorization.
Do I need a Social Security Number to buy a home?
No. If you have a valid ITIN issued by the IRS, you can qualify for an ITIN loan without a Social Security Number.
What down payment is required for an ITIN loan?
Down payments as low as 3.5% are available on qualifying ITIN loan programs, similar to FHA financing.
What documents do I need for an ITIN loan?
Typically your ITIN assignment letter, two years of filed tax returns, proof of consistent income or employment, and a valid form of identification. Exact requirements vary by lender and scenario.
What's the difference between an ITIN loan and a Foreign National loan?
ITIN loans are for people who live and work in the U.S. and file taxes using an ITIN. Foreign National loans are for non-U.S. citizens who live abroad and want to purchase or invest in U.S. property without U.S. residency or credit history. Ask Vanessa which fits your situation.