ITIN Loans for Non-Residents: A Comprehensive Guide


ITIN loans provide an essential pathway to homeownership for non-residents and those without a Social Security number. It is as simple as it sounds. It is a type of home loan available to those who do not have their social security numbers. It is beneficial for people who are not eligible for conventional loans. As already mentioned previously, those who do not possess an SSN (social security number) can apply to receive an ITIN card. If you are interested in applying for an ITIN mortgage plan, you will need to provide your ITIN number and other documentation to prove that you are eligible for this mortgage. The mortgage program for ITIN holders is not much different than other conventional loan programs. Here’s more information.

Understanding ITIN Loans

An ITIN loan program caters to individuals who lack a Social Security number. The IRS issues an ITIN to both resident and non-resident individuals who need a taxpayer identification number. These loans help non-residents, who are ineligible for conventional loans, to purchase homes. An ITIN mortgage plan requires your ITIN number and other documentation to prove eligibility. The process mirrors conventional loans but uses an ITIN instead of an SSN.

Qualifying Properties

Properties that qualify under the ITIN loan program include:

  • Single Family Detached Homes
  • Townhouses or Row Homes
  • Condominiums
  • (1-4) Unit Residential Properties
  • Investment Properties
  • Second Homes (sometimes)

Benefits of ITIN Loans

ITIN loans allow non-citizens without a Social Security number to apply for a mortgage in the U.S. Instead of using a Social Security number, borrowers provide their taxpayer ID numbers. These loans therefore benefit non-residents by offering a route to homeownership and help build credit history, opening more financial opportunities.


ITIN loan requirements vary by lender. Generally, you must show sufficient income and assets to afford mortgage payments. Be ready to provide extensive documentation, including tax returns and bank statements. Lenders will also verify consistent employment for at least the past two years. More about ITIN and other non-conventional loans here.

How to Find the Best Lender

Start with specialized lenders like Buckingham Mortgage. We have been helping non-residents, diplomats and foreigners for 30 years. Feel free to contact us for additional information. It is also welcoming to find a loan officer who speaks your native language (if it’s not English).


ITIN loans provide a crucial avenue for non-residents and individuals without a Social Security number to achieve homeownership. By understanding the requirements and benefits, you can navigate the loan process effectively and find the right lender to help you secure your new home.

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