ITIN Mortgages and Foreign National Loans

An ITIN mortgage is a home loan for borrowers who file taxes using an Individual Taxpayer Identification Number issued by the Internal Revenue Service instead of a Social Security number. It gives people who live and work in the United States a way to finance a home.

ITIN mortgages are typically available to borrowers who live and work in the United States but do not have a Social Security number. Applicants generally need a valid ITIN, stable income and a history of filing US tax returns.

Most ITIN mortgage programs require a down payment of approximately 10% to 20%, depending on your credit profile, income stability and lender guidelines. We confirm the exact requirement for your situation before you start shopping for a home.

Not always. Some lenders allow borrowers to qualify without a traditional credit score by using alternative credit history, such as rent payments, utility bills or other documented payment records. Requirements vary by lender, so we match you with programs that fit your credit history.

Yes. ITIN mortgage programs are commonly used to buy a primary residence in the United States, helping borrowers build long term financial stability through homeownership. Depending on lender guidelines, ITIN loans may also finance second homes and investment properties.

The closing timeline depends on the documentation required, the property appraisal and the underwriting review. Gathering your ITIN, income records and bank statements early can help keep your timeline on track.

A foreign national mortgage loan is designed for non US citizens who live outside the United States and want to buy property in the country. These programs let international buyers finance real estate using alternative documentation rather than a traditional US credit history.

Foreign national loans are generally available to non US citizens who do not have permanent residency in the United States. Borrowers usually need to provide identification, proof of income, assets for the down payment and documentation showing the ability to repay the loan.

Most foreign national mortgage programs require a down payment between 20% and 40%, depending on the property type, loan amount and borrower qualifications. That is usually more than an ITIN mortgage, which often requires about 10% to 20% down.

Not always. Many foreign national loan programs do not require a US credit score. Lenders may instead review alternative credit references, international credit reports, bank statements or other financial documents to evaluate your financial history.

Yes. Foreign buyers often purchase US real estate as investment properties, vacation homes or rental properties, and many foreign national loan programs are designed specifically for international real estate investors.

Common documents include a valid passport, proof of foreign residency, bank statements, asset verification for the down payment and income documentation. Additional requirements may vary depending on the lender and your country of residence.