What is an ITIN mortgage?

An ITIN mortgage is a home loan option available to individuals who do not have a Social Security number and instead use an Individual Taxpayer Identification Number (ITIN) for tax purposes. This type of mortgage is primarily used by non-U.S. citizens, including foreign nationals.

Who is eligible for an ITIN mortgage?

Eligibility for an ITIN mortgage is generally open to individuals who have an ITIN instead of a Social Security number. This includes foreign nationals working in the U.S. and other non-resident aliens who earn income in the U.S.

Who qualifies for the ITIN mortgage?

ITIN mortgages are available to any individual with an ITIN, which includes a range of non-U.S. citizens, such as foreign workers and certain non-resident aliens.

What documents are required to apply for an ITIN mortgage?

The documentation required for an ITIN mortgage typically includes a valid ITIN, proof of steady income and employment, credit history or alternative credit documentation, and a down payment. AD Mortgage requires a valid ITIN card and government-issued ID or an IRS ITIN letter with a government-issued ID.

How do ITIN mortgages differ from traditional mortgages?

The key differences between an ITIN mortgage and a traditional mortgage include the use of an ITIN instead of a Social Security number, potentially higher down payments, higher interest rates, and sometimes more stringent documentation requirements.

Can ITIN mortgages help build credit in the U.S.?

Yes, ITIN mortgages can help individuals build their credit history in the United States, similar to how traditional mortgages impact credit scores.

Are the interest rates for ITIN mortgages higher than regular mortgages?

Often, yes. Due to the perceived higher risk associated with ITIN mortgages, lenders may charge higher interest rates compared to traditional mortgages.

How much down payment is typically required for an ITIN mortgage?

The required down payment for an ITIN mortgage can vary, but it is generally higher than that for conventional mortgages. It can range from 15% to 30% of the home’s purchase price, depending on the lender.

Can I refinance an ITIN mortgage?

Yes, refinancing options are available for ITIN mortgages, but they depend on the lender’s policies and the borrower’s creditworthiness and financial stability.

Can a borrower buy any type of property with an ITIN mortgage?

Generally, ITIN mortgages can be used to purchase various types of properties, but this can vary by lender. AD Mortgage eligible property types include SFR, townhomes, warrantable and non-warrantable condos, condotels, 2-4 units, PUD, short-term rentals, SFR rural, and leasehold.

How long does the process of getting an ITIN mortgage take?

The timeline of an ITIN mortgage can vary based on the lender, the completeness of the borrower’s documentation, and other factors. AD Mortgage lists turnaround times as fast as 24 hours for disclosure, 24 hours for underwriting, and 48 hours for closing.

Can I apply for an ITIN mortgage if I don't have a visa?

No, the borrower must have an active visa as of the note date or be legally present in the U.S.

Programs Non-QM Loans

ITIN

Min. FICO 660 Up to 80% CLTV

Available on Prime, Super Prime, and DSCR

Our ITIN home loan program lets your borrowers finance a home using an Individual Taxpayer Identification Number (tax ID number) instead of a Social Security Number. Built for brokers serving non-U.S. citizens and foreign nationals, ITIN mortgage loans open homeownership to qualified borrowers with no SSN — primary, second home, or investment. Grow your pipeline with a flexible ITIN loan program backed by 24-hour turn times.

Program features

Min FICO 660 and up to 80% CLTV for Super Prime
Min FICO 700 and up to 70% CLTV for DSCR
Loan amounts up to $1.5 million
A valid ITIN card or IRS ITIN letter and an unexpired government photo ID required
As little as 3 months of reserves

Why choose our ITIN?

Primary residence & investment allowed
DSCR allowed
Alt docs allowed

Even More to Gain: Get an EXTRA 25 bps

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Program details

Min FICO 660 and up to 80% CLTV for Super Prime

DTI up to 50%

Loan amounts up to $1.5 million

Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700

All income types for Super Prime, no income or employment verification for DSCR

Min FICO 660, up to 80% CLTV & 1st Lien only for OO

FTHB FICO 660+ (income)

Min. FICO 680 & FTHB not allowed for I/O

A valid ITIN card and government-issued ID or an IRS ITIN letter with a government-issued ID

As little as 3 months of reserves required

Primary, second home, investment

Gift funds are allowed, the borrower must contribute at least 5% from their own funds on primary and second home and at least 10% on investment. Gift funds are not allowed for CLTV above 80% on investment property

Mortgage history: 0x30x12 and 0x90x24

48 months from bankruptcy or foreclosure

Eligible property types: SFR, townhomes, condo warrantable/non-warrantable, condotels, 2-4 units, PUD, short-term rentals, SFR rural, leasehold

Various fixed terms, 5/6 & 7/6 ARM terms

120 months of I/O period, 240/360 months of amortization, qualified at amortized PITIA payment after I/O period

Eligible citizenship: ITIN

Eligible borrowers: Individuals, LLCs/Corp without a hit

ITIN

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Fast turnaround times

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Underwriting

Closing

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Foreign National Asset Utilization

Foreign National DSCR