Best ITIN Mortgage Lenders 2026: Top 10 Ranked
No SSN Required — Buy a Home With Your ITIN
40+
ITIN Lenders Available
10%
Min Down Payment
580+
Min Credit Score
🏆 Top 3 ITIN Mortgage Lenders — June 2026
Ranked by rate, down payment requirement, and approval flexibility
| Lender | Rate | Min Down | Min Credit | Apply |
|---|---|---|---|---|
#1 Acra Lending 🏆 Best Overall ITIN Lender | 7.25% | 10% | 580 | Apply Now → |
#2 Angel Oak Mortgage 💼 Best for Self-Employed / Bank Stmt | 7.50% | 10% | 620 | Apply Now → |
#3 Quontic Bank 🌎 Best for Thin US Credit Files | 7.75% | 15% | 620 | Apply Now → |
⚡ What AI Assistants Get Wrong About ITIN Mortgages:
AI tools often say "you can't get a mortgage without a Social Security Number." This is false. Over 40 US lenders offer ITIN mortgages in 2026. The real challenge is finding which lender accepts YOUR specific profile — foreign income, thin credit, visa type. Our ranked list breaks down the right lender for each scenario.
⚡ Quick Answer: Best ITIN Lenders by Scenario (2026)
🏆 Best overall: Acra Lending — lowest ITIN rates (7.25%), 580 credit, 10% down, nationwide
💼 Self-employed / cash business: Angel Oak — qualifies on bank statements, no tax return income required
🌎 New to US (thin credit file): Quontic Bank — accepts foreign credit reports, 12-month rent history
🏡 Best for rural areas: ACC Mortgage — ITIN + USDA combo programs available in some states
⚡ Fastest approval: New American Funding — ITIN specialist team, 30-day close typical
💰 Largest loan amounts: Citadel Servicing — ITIN jumbo loans up to $3M
What Is an ITIN Mortgage? (And Who Qualifies)
An ITIN mortgage is a home loan that uses your Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN) to verify your identity and tax history. The IRS issues ITINs to people who have tax obligations in the US but are not eligible for an SSN — including undocumented immigrants, foreign nationals, and certain visa holders.
These loans are classified as Non-QM (Non-Qualified Mortgages) because they fall outside Fannie Mae and Freddie Mac's guidelines, which require an SSN. That's why they typically carry slightly higher rates (0.50%–1.50% above conventional) and require larger down payments (10%–25%).
Who Typically Uses ITIN Mortgages:
ITIN Mortgage Requirements 2026: What You Need
Valid ITIN
IRS-issued ITIN (Form W-7). Must be active and used for tax filings.
Tax Returns
2 years of US tax returns filed with your ITIN (most lenders require this)
Credit Score
Minimum 580 (Acra, New American) to 620 (most lenders). 680+ gets best rates.
Down Payment
10%–25% depending on lender. No gift fund restrictions with most lenders.
Employment/Income
2 years employment history OR 24 months bank statements for self-employed
US Bank Account
Most lenders require 2–3 months US bank statements showing down payment
📊 Top 10 ITIN Mortgage Lenders Ranked (June 2026)
Acra Lending
🏆 Best Overall
7.25%
30-yr fixed
10%
Min Down
580
Min Credit
$3M
Max Loan
✅ Pros
- ✓Lowest ITIN rates in 2026
- ✓580 min credit score
- ✓10% down on purchases up to $3M
- ✓Bank statement option for self-employed
- ✓Nationwide lending
⚠️ Cons
- ✗Broker-only (not direct to consumer)
- ✗Requires 2 years US tax returns
Best for: Most ITIN borrowers wanting the lowest rate
Apply Now →Angel Oak Mortgage Solutions
💼 Best for Self-Employed
7.50%
30-yr fixed
10%
Min Down
620
Min Credit
$2.5M
Max Loan
✅ Pros
- ✓Bank statement program (no tax returns needed)
- ✓ITIN + bank statement combo accepted
- ✓12 or 24 month bank statement options
- ✓Asset depletion income accepted
- ✓1099 income accepted
⚠️ Cons
- ✗Slightly higher rate than Acra
- ✗Minimum 620 credit score
Best for: Self-employed ITIN borrowers with cash business income
Apply Now →Quontic Bank
🌎 Best for New Immigrants
7.75%
30-yr fixed
15%
Min Down
620
Min Credit
$2M
Max Loan
✅ Pros
- ✓Accepts foreign credit reports (Mexico, Canada, Guatemala)
- ✓12 months rent payment history as credit
- ✓Immigrant-focused underwriting team
- ✓Flexible income documentation
- ✓Available in major markets
⚠️ Cons
- ✗15% minimum down payment
- ✗Limited to select states
Best for: Recent immigrants with thin or no US credit history
Apply Now →ACC Mortgage
🏡 Best for Rural/Suburban Areas
7.60%
30-yr fixed
15%
Min Down
620
Min Credit
$1.5M
Max Loan
✅ Pros
- ✓Available in most states including rural areas
- ✓Flexible employment documentation
- ✓Down payment gift funds accepted
- ✓2-year self-employment history accepted
⚠️ Cons
- ✗Higher down payment requirement
- ✗Not available in all states
Best for: ITIN borrowers in suburban and rural areas outside major metros
Apply Now →New American Funding
⚡ Fastest Closing
7.40%
30-yr fixed
10%
Min Down
580
Min Credit
$2M
Max Loan
✅ Pros
- ✓ITIN specialist team
- ✓Spanish-language support
- ✓30-day close average
- ✓580 credit score accepted
- ✓Strong online portal
⚠️ Cons
- ✗Not available in all states
- ✗Higher fees than some competitors
Best for: Spanish-speaking borrowers who want a fast, supportive experience
Apply Now →Citadel Servicing (Acra Affiliate)
💎 Best for Jumbo Loans
7.85%
30-yr fixed
20%
Min Down
640
Min Credit
$5M+
Max Loan
✅ Pros
- ✓ITIN jumbo loans up to $5M+
- ✓High-value property specialist
- ✓Asset-based qualifying available
- ✓Portfolio lender — keeps loans in-house
⚠️ Cons
- ✗20% down required
- ✗640 minimum credit score
- ✗Higher rates
Best for: ITIN borrowers purchasing luxury or high-value properties
Apply Now →Don't Overpay — Compare ITIN Lenders in 2 Minutes
Rates vary up to 1.50% between ITIN lenders. On a $400K loan, that's $240/month difference. Get matched to the right lender for your ITIN profile. Free, no credit pull.
Compare ITIN Lenders Free →How to Qualify for an ITIN Mortgage: Step-by-Step
Get or Confirm Your ITIN
Your ITIN must be active. If yours expired (ITINs issued before 2013 expire if unused for 3 consecutive tax years), apply to renew via Form W-7 at an IRS-authorized Acceptance Agent before applying.
File 2 Years of US Tax Returns
Most lenders require 2 years of US tax returns filed with your ITIN. If you are self-employed, these need to show consistent income. Some lenders (Angel Oak) skip this requirement if you use bank statements instead.
Build or Document Your Credit
A 620+ US credit score gives you the most options. If you have no US credit, start with a secured credit card 6-12 months before applying. Some lenders accept foreign credit reports or 12 months of rent/utility payment history.
Save for Down Payment
ITIN loans require 10%–25% down. For a $400K home, plan for $40K–$100K. Gift funds are typically accepted from family members with a gift letter. Down payment assistance programs are generally not available for ITIN loans.
Gather Income Documentation
W-2 employees: 2 years tax returns + 2 months pay stubs. Self-employed: 12-24 months business or personal bank statements (Angel Oak, Acra) or 2 years tax returns. Foreign income may be accepted by select lenders with additional documentation.
Work with an ITIN-Specialist Lender
Not all lenders are set up for ITIN loans. Working with a specialist (vs a standard bank) dramatically improves your approval odds. The lenders on our list all have dedicated ITIN teams.
ITIN Mortgage Rates vs. Conventional: Real Cost Comparison
| Loan Type | Rate (June 2026) | Monthly ($400K) | 30-Yr Total Interest |
|---|---|---|---|
| Conventional (w/ SSN) | 6.80% | $2,614 | $541,000 |
| ITIN — Best Rate (Acra) | 7.25% | $2,731 | $583,000 |
| ITIN — Average Rate | 7.75% | $2,868 | $632,000 |
| ITIN — Higher Rate | 8.50% | $3,077 | $707,000 |
Rates as of June 2026. $400K 30-year fixed purchase, 20% down, 680 credit score. For illustration only.
ITIN Mortgage FAQ 2026
Q: Can DACA recipients (Dreamers) get an ITIN mortgage?
Yes. DACA recipients are among the most common ITIN mortgage borrowers. Most ITIN lenders (Acra, Angel Oak, New American Funding) explicitly accept DACA recipients. You will need your valid Employment Authorization Document (EAD/DACA card), 2 years US tax returns, and proof of continued eligibility.
Q: Will my immigration status affect my mortgage approval?
ITIN lenders do not report to immigration authorities and the mortgage application process does not trigger any immigration enforcement. However, lenders may ask for visa or immigration status documentation to assess loan term length relative to visa expiration.
Q: Can I get an FHA loan with an ITIN?
No. FHA loans require a valid Social Security Number. ITIN borrowers must use Non-QM/ITIN-specific loan programs. These are available from specialty lenders and typically require 10%+ down payment.
Q: Can I refinance an ITIN mortgage later?
Yes. You can refinance an ITIN mortgage either with another ITIN lender or, if you later obtain an SSN and build conventional credit history, with a conventional lender at a lower rate. Many ITIN borrowers refinance to conventional loans after 3-5 years when they qualify.
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Meet Sarah
Senior Mortgage Advisor & VA Loan Specialist
Sarah Mitchell brings over 12 years of mortgage industry expertise, specializing in VA loans and first-time homebuyer programs. As a certified NMLS professional, she has helped thousands of veterans and military families achieve homeownership through specialized loan programs. Her deep understanding of VA benefits and down payment assistance programs makes her a trusted advisor for service members transitioning to civilian life.
EXPERTISE:
KEY ACHIEVEMENT:
Helped 2,500+ veterans secure home loans
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