🪪 ITIN Loans
No Social Security number? You can still own a home.
Millions of people work, pay taxes, and build lives here using an Individual Taxpayer Identification Number. Conventional lending mostly locks them out — ITIN programs open the door, using the tax and credit history you’ve actually built.
Is this you?
ITIN Loans tend to be a great fit for…
- Borrowers who file U.S. taxes with an ITIN
- Long-time U.S. residents without a Social Security number
- Families buying a primary residence
- Self-employed ITIN filers (bank statement combos exist)
Questions friends actually ask
ITIN Loans: straight answers
What documents does an ITIN loan need?
Your ITIN assignment letter, government-issued ID (a passport or matrícula consular typically works), two years of tax returns or alternative income docs, and proof of income. Some programs pair ITIN with bank statement income for self-employed borrowers.
What if I don’t have a credit score?
Several ITIN programs accept alternative credit — 12 months of documented rent, utilities, phone, and insurance payments can stand in for a traditional score.
Do ITIN loans cost more?
Rates and down payments run higher than conventional — typically 15–25% down. For families paying years of rent, the ownership math frequently still wins. Joe will show you the honest comparison.
Is my information safe?
Lenders are bound by federal privacy law (GLBA), and this website itself collects nothing — no forms, no trackers. Your conversation with Joe and your application through Fairway’s secure systems are the only places your information lives.
Keep exploring
DSCR Loans
Investor loans where the rental income covers the payment. No personal income docs, no tax returns, no DTI.
Learn more →Bank Statement Loans
Qualify with 12–24 months of business or personal bank statements instead of tax returns. Built for the self-employed.
Learn more →1099 Income Loans
Qualify using 1–2 years of 1099 forms — no tax returns, no profit-and-loss gymnastics.
Learn more →Not sure if itin loans are right for you?
That’s literally what Joe is for. One conversation, all nine programs side by side, zero pressure to move forward.