Loan Programs
ITIN Mortgage Loan Program
Homeownership Made Possible for Non-U.S. Citizens Using an ITIN.
Home Loans for Non-U.S. Citizens Without a Social Security Number
Don’t have a Social Security Number? You can still become a homeowner in the U.S. with our ITIN mortgage loan program. Designed for individuals with a valid Individual Taxpayer Identification Number (ITIN), this loan makes the dream of homeownership possible—even without traditional documentation.
Who Is This Loan For?
- Foreign nationals living in the U.S. with an ITIN
- Immigrants without a Social Security Number
- Self-employed or W2 workers paid under an ITIN
- Families looking to build roots and stability in the U.S.
- Borrowers with limited or no U.S. credit history
Benefits of an ITIN Loan
- No Social Security Number Needed: Apply using your ITIN instead of an SSN.
- Perfect for Non-U.S. Citizens: Ideal for immigrants, undocumented workers, and non-resident aliens with verifiable income and a valid ITIN.
- Flexible Documentation: Qualify using foreign credit, bank statements, or alternative docs—no U.S. credit or tax returns required in many cases.
- Available for Purchases or Refinancing: Buy a home, upgrade, or refinance—even if you’re not a U.S. citizen.
- Build Equity & Credit in the U.S.: Start building long-term wealth and improve your U.S. credit history through homeownership.
ITIN Loan Parameters
- Eligibility: Valid ITIN (no Social Security Number required)
- Loan Purpose: Purchase, rate/term refinance, or cash-out refinance
- Credit Requirements: Minimum credit score of 600+
- Loan Amount: $75,000 – $1,300,000
- Loan-to-Value (LTV): Up to 90% for purchases; up to 80% for refinances
- Down Payment: As low as 15% (may vary based on credit and income)
- Income Verification: Pay stubs, W2s, bank statements, or self-employed documentation
- Property Types: Single-family homes, condos, townhomes, 2–4 unit properties
- Occupancy Types: Primarily for owner-occupied homes (some lenders allow second home or investment)
- Loan Terms: 30-year fixed, 15-year fixed, and ARM options
- Reserves: May require 3–6 months of PITIA
- Prepayment Penalty: Typically none for owner-occupied homes
- Identification: Valid ITIN, passport, consular ID, or government-issued ID accepted
MORTGAGE TOOLS
Your Mortgage Options, Made Clear.
MORTGAGE SOLUTIONS
Find the Financing That
Fits Your Future.
Explore home loan programs designed to support your homeownership goals, whether you’re purchasing, refinancing, or planning your next move.
No Income / No Employment DSCR Investor Loans
Learn More!
12/24 Month Bank Statement
Learn More!
No Income / No Employment Loan Primary Residence Loan
Learn More!
ITIN Mortgage Loan Program
Learn More!
P&L-Only Mortgage Loan Program
Learn More!
1099 Mortgage Loan Program
Learn More!
NAF Cash
Learn More!
One Time Close Construction
Learn More!
Down Payment Assistance
Medical Professionals Mortgage Program
Free Tools
Check Out Our Other Mortgage Calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
Affordability Calculator
Assess how much home you can afford based on your income, expenses, and desired down payment.
Rate Buydown Calculator
Check out how much you can save with a seller-paid rate buydown.
YOUR NEXT MOVE STARTS HERE
Let’s find your path home.
Buying, refinancing, or exploring your options? Connect with Greg Downs at New American Funding for personal guidance and home loan options that fit your goals.
Explore
New American Funding, LLC // NMLS #6606 All information is deemed reliable but not guaranteed. Neither mortgage company nor website company shall be responsible for any typographical errors, misinformation, or misprints and shall be held totally harmless. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 919-451-6089 for assistance. You should not send confidential or personally identifiable information via unencrypted email. It is not a secure way to send any information and could expose you to data hacking. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. NAF Cash, LLC (“NAF Cash”) is a real estate company that is an affiliated company of New American Funding, LLC. All products and services supplied by NAF Cash are subject to state availability and contractual terms and conditions. NAF Cash does not originate loans or issue loan commitments. NAF Cash, LLC charges a Transaction Fee of 1.50%-7.5% of the purchase price for its service (fee varies by state and program). License numbers: MI Real Estate Broker #6505431332. Terms and conditions apply, not available in all states. 41050 W 11 Mile Rd, Ste 220, Novi, MI, 48375. Phone 844-344-0531. 41050 W 11 Mile Rd, Ste 220, Novi, MI, 48375
© 2026. Website by LoanSites.