ITIN Home Loans

ITIN Home Loans | Mortgage Options Without a Social Security Number

You don’t need a Social Security number to pursue homeownership.

If you live and work in the United States and use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number, homeownership may still be within reach. Certain ITIN programs can help when Conventional, FHA, VA, or USDA financing may not.

See If You Qualify

Family of four happily posing in front of their new brick house on a sunny day.

~10%

Minimum Down*

640+

Options*

Alt. Credit

Accepted*

Up to $999K+

Loan Amounts*

Requirements vary. Figures shown are possible program options, not guarantees, and every loan is subject to approval.

ITIN Loan Highlights

Potential features for qualifying borrowers — exact terms vary by borrower and selected program.

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What Is an ITIN Home Loan?

An ITIN loan is a mortgage designed for borrowers who use an Individual Taxpayer Identification Number issued by the IRS rather than a Social Security number.

Traditional mortgage programs often require documentation that can make financing difficult for ITIN borrowers. ITIN mortgage programs may use different underwriting guidelines designed to evaluate a borrower’s actual ability to repay the loan. That can include reviewing:

Every loan is still subject to credit, income, property and underwriting approval.

Who Might an ITIN Loan Be Right For?

An ITIN loan may be worth exploring if you:

Not sure if you fit the guidelines? That’s exactly what we’re here for.

Check My ITIN Loan Options

Several Ways to Qualify Your Income

One of the biggest advantages of our ITIN lending options is that there isn’t necessarily just one way to document income.

W-2 / Wage Earners

Depending on the program, income may be documented using items such as:

This can be especially helpful when traditional income documentation doesn’t tell the complete story.

1099 Workers

Certain ITIN programs allow qualifying income to be documented using 1099 income along with supporting documentation.

Self-Employed Borrowers

Being self-employed doesn’t automatically mean you need to qualify using traditional tax-return income. Available ITIN options may include:

12-Month Bank Statements

Qualifying income may be determined by analyzing eligible business or personal bank deposits and applicable business expenses.

Profit & Loss Statement

Certain borrowers may qualify using a professionally prepared 12-month Profit & Loss statement along with supporting bank statements.

Traditional Documentation

Self-employed borrowers may also qualify using tax returns and standard income documentation.

I’m Self-Employed — Show Me My Options

Alternative Credit

Limited Credit History? You May Still Have Options.

You don’t necessarily need years of traditional credit cards and loans to qualify for an ITIN mortgage.

Depending on the program, we may be able to document your payment history using non-traditional credit. Your rental history can be particularly important. Some ITIN options may even be available to borrowers who do not currently have a traditional credit score.

Examples can include:

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Property and occupancy restrictions vary by program.

Depending on the ITIN program, the property may be used as your:

Primary Residence

The home where you live.

Second Home

A qualifying vacation or secondary residence.

Investment Property

Certain ITIN options allow financing for non-owner-occupied residential real estate.

Purchase or Refinance

ITIN mortgages aren’t limited to buying a home. Depending on your qualifications, financing may be available for:

Home Purchase

Buy a new primary residence, qualifying second home or investment property.

Rate & Term Refinance

Replace your existing mortgage to potentially change your interest rate, loan term or mortgage structure.

Cash-Out Refinance

Qualified homeowners may be able to access a portion of their home’s equity through an ITIN cash-out refinance.

Basic ITIN Documentation

Although every loan is different, borrowers should generally expect to provide documentation such as:

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The 2 Mortgage Guys

Ryan Minick and Steve DeLon — Branch Managers & Senior Loan Officers at Luminate Bank. Based in Kokomo, Indiana. Lending nationwide since 2005.

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Contact

Questions@the2mg.com

(765) 450-8933

Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

Luminate Bank NMLS# 1281698

Kokomo's Mortgage Team. Lending Nationwide.

1221 Appletree Lane, Kokomo, IN 46902

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

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