All Loan Programs
Non-Traditional
ITIN Mortgage Loans
You don't need a Social Security Number to buy a home. Our ITIN loan program helps non-US citizens and undocumented residents in the DMV achieve homeownership using their Individual Taxpayer Identification Number.
ITIN
Accepted in Place of SSN
620+
Min. Credit Score
85%
Max LTV
$0
Broker Fees
Program overview
ID RequirementITIN + IRS proof of assignment
Minimum Credit Score620+
Maximum LTVUp to 85%
Down PaymentMinimum 15%
Income DocumentationW-2, tax returns, or bank statements
Property TypesPrimary residence & investment
Loan Amounts$75,000–$2,000,000
Co-BorrowersNon-occupant co-borrowers allowed
What you need to qualify
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IRS-Issued ITIN
A valid Individual Taxpayer Identification Number issued by the IRS, along with proof of ITIN assignment (IRS letter or CP565 form).
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Credit History
A minimum 620 credit score. If you have limited US credit history, we can work with alternative credit documentation.
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Down Payment
Minimum 15% down payment from your own funds or gift funds from family members.
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Income Documentation
Two years of tax returns filed with your ITIN, recent paystubs or bank statements to verify income.
Homeownership is possible with an ITIN.
We've helped many ITIN borrowers in the DMV achieve homeownership. Tell us your situation and we'll show you what's possible.
Confidential consultation
$0 broker fees
Spanish-speaking staff available
Licensed in DC, MD & VA
Get a Free Consultation
Confidential. No cost, no obligation.