ITIN Loans
Homeownership without a Social Security number
Borrowers with an Individual Taxpayer Identification Number can finance a home using alternative credit and documentation standards. Available through our wholesale lending network.
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What this program offers and who it tends to fit best.
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Multiple income doc options
W-2, bank statement, and profit and loss paths available.
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ITIN accepted in place of SSN
Your taxpayer identification number anchors the application.
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Alternative credit considered
Rent, utilities, and other payment histories can help build the file.
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Primary residence focus
Programs centered on owner-occupied purchases.
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Flexible credit standards
Nontraditional histories are considered on their merits.
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A real path to owning
Homeownership access for tax-paying borrowers without an SSN.
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Documentation that fits
Show income the way you actually earn it.
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Guidance start to finish
A loan officer stays with you through every step of the process.
frequently asked questions
Common questions about this loan program.
An ITIN loan is a mortgage for borrowers who file taxes using an Individual Taxpayer Identification Number rather than a Social Security number. It uses alternative credit and documentation standards to make homeownership accessible to tax-paying borrowers without an SSN.
Yes. Programs exist specifically for borrowers whose taxpayer identification number anchors the application in place of a Social Security number. These are portfolio programs rather than government-backed loans, so terms differ from FHA or conventional financing.
Typically your ITIN documentation, government-issued identification, proof of residence, and income documentation which may take the form of W-2s, bank statements, or profit and loss records depending on how you earn. Requirements vary by lender.
Traditional credit scores help but are not always required. Many ITIN programs accept alternative credit built from rent, utilities, insurance, and other recurring payment histories. Your loan officer can review what you have before you apply.
Most ITIN programs focus on owner-occupied primary residences. Some lenders extend to second homes or investment property, though availability is narrower. Confirm occupancy eligibility before making an offer.
Talk with a licensed City First Mortgage loan officer about your goals, your timeline, and which program fits. No cost, no obligation, and no credit pull to start the conversation.
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