Last updated: July 27, 2026 · Verified against IRS, HUD, lender official data
ITIN Mortgage Lenders 2026: Buy a Home Without a Social Security Number
No SSN required. No green card required. If you have an ITIN and file taxes with the IRS, you can buy a home in the United States. Rates from 7.25%, 10% down, alternative credit accepted. Here are the top 5 ITIN-friendly lenders ranked by rate, down payment, and approval speed.
7.25%
Best Rate
10%
Min Down
620
Min Credit
No
SSN Required
⚡ Top 5 ITIN-Friendly Lenders (July 2026)
No SSN Required| # | Lender | Rate | Min Down | Min Credit | Close | Best For | Apply |
|---|---|---|---|---|---|---|---|
| #1 | Angel Oak Mortgage Solutions 🏆 BEST OVERALL | 7.25% | 10% | 620 | 30-45d | Largest ITIN lender, most flexible | Check Rates → |
| #2 | Acra Lending ⚡ FASTEST | 7.50% | 15% | 640 | 30-45d | Fastest ITIN approval, 30-day close | Check Rates → |
| #3 | First National Bank of America 💰 LOWEST RATE | 7.75% | 20% | 660 | 35-50d | Lowest rates for 20%+ down | Check Rates → |
| #4 | New American Funding 🌎 BILINGUAL | 7.50% | 10% | 620 | 30-45d | Bilingual, bilingual staff | Check Rates → |
| #5 | CrossCountry Mortgage | 7.65% | 15% | 640 | 30-45d | Nationwide ITIN specialist | Check Rates → |
What Is an ITIN Mortgage Loan?
An ITIN mortgage is a home loan designed for borrowers who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN). The IRS issues ITINs to foreign nationals and undocumented immigrants who need to file taxes in the United States. If you file taxes with an ITIN, you can get a mortgage.
ITIN mortgages are portfolio loans — meaning the lender keeps the loan on their own books instead of selling it to Fannie Mae or Freddie Mac (which require SSNs). This is why rates are 1-2% higher than conventional: the lender takes on the full risk. But for millions of tax-paying non-citizens, this is the only path to homeownership in America.
No green card required. No SSN required. No DACA status required. Just an ITIN, 2 years of tax returns, and a down payment. Check if you qualify →
ITIN Mortgage Requirements: What You Need
✅ You Qualify If:
- • Valid ITIN issued by the IRS
- • 2 years of US tax returns filed with ITIN
- • 10-25% down payment (varies by lender)
- • Alternative credit: 12-24 months on-time rent
- • 2 years of steady employment income
- • DTI ratio below 43%
- • Property is primary residence (some allow investment)
❌ You Don't Qualify If:
- • No ITIN (must have one before applying)
- • Haven't filed US taxes in the past 2 years
- • Less than 10% down payment
- • No verifiable income or employment
- • Recent bankruptcy (within 2-4 years depending on lender)
- • DTI ratio above 43%
💡 Alternative credit: No FICO score? No problem. ITIN lenders use alternative credit reporting — they look at 12-24 months of on-time rent payments, utility bills, phone bills, car insurance, and remittance history. Bring proof of consistent payments and you can qualify without any traditional credit history. See which lenders accept alternative credit →
ITIN Mortgage vs Conventional: Side-by-Side
| Feature | ITIN Mortgage | Conventional (SSN) |
|---|---|---|
| SSN Required | No | Yes |
| Green Card Required | No | Yes |
| Min Down Payment | 10-25% | 3-5% |
| Interest Rate (30-yr) | 7.25-8.75% | 6.25-7.00% |
| Credit Score Type | Alternative credit | FICO score |
| Min Credit Equivalent | 620 | 620 |
| Tax Returns Required | 2 years (ITIN) | 2 years (SSN) |
| Max DTI | 43% | 50% |
| Loan Type | Portfolio (lender-held) | Sold to Fannie/Freddie |
| PMI Required | No (lender-paid) | Yes (if <20% down) |
How to Apply for an ITIN Mortgage: Step-by-Step
Get Your ITIN (If You Don't Have One)
File IRS Form W-7 to get an ITIN. Takes 6-8 weeks. You need a valid reason (tax filing) and identity documents. Cost: Free.
File 2 Years of Tax Returns
You must have 2 years of US tax returns filed with your ITIN. This proves income and tax compliance to lenders.
Gather Alternative Credit Proof
Collect 12-24 months of rent payment receipts, utility bills, phone bills, and insurance payment records. These replace a FICO score.
Get Pre-Approved with an ITIN Lender
Compare ITIN-friendly lenders. Not all lenders offer ITIN loans — use our table above. Get pre-approved before house hunting.
Get Pre-Approved Now →Find Your Home & Close
Once pre-approved, find a home within your budget. ITIN loans close in 30-45 days, same as conventional.
ITIN Mortgage Cost Example: $400K Home
Real Numbers on a $400,000 Home
| Item | Amount | Notes |
|---|---|---|
| Purchase Price | $400,000 | Median US home price |
| Down Payment (15%) | $60,000 | 15% down — typical ITIN requirement |
| Loan Amount | $340,000 | $400K - $60K |
| Interest Rate | 7.50% | Avg ITIN rate July 2026 |
| Monthly P&I | $2,374 | 30-year fixed |
| Property Tax (1.1%) | $367/mo | Varies by state |
| Insurance | $150/mo | Homeowners insurance |
| Total Monthly | $2,891 | P&I + tax + insurance |
| Income Needed (~30% DTI) | $115K/yr | $2,891 × 12 ÷ 0.30 |
Rates and costs vary by lender, state, and individual profile. Get a personalized quote for exact numbers.
Ready to Buy a Home with Your ITIN?
No SSN. No green card. Just your ITIN, 2 years of taxes, and 10% down. Get pre-approved in 5 minutes.
Frequently Asked Questions
Can you get a mortgage with an ITIN number?
Yes. ITIN mortgages allow non-citizens to buy a home using an ITIN instead of an SSN. Requires 10-25% down, 2 years of tax returns, and alternative credit. Rates from 7.25%. Check ITIN eligibility →
What are ITIN mortgage rates in 2026?
ITIN rates July 2026: 30-year fixed 7.25-8.75% (avg 7.75%). 1-2% higher than conventional because these are portfolio loans not sold to Fannie/Freddie. Compare ITIN lender rates →
What credit score do I need for an ITIN mortgage?
ITIN lenders use alternative credit (rent, utility, phone payment history) instead of FICO. Minimum 620 equivalent. No traditional credit history required. Check your alternative credit eligibility →
Which lenders offer ITIN mortgages?
Top ITIN lenders: Angel Oak (largest, 620 min, 10% down), Acra Lending, First National Bank of America, New American Funding (bilingual), CrossCountry Mortgage. Compare all ITIN lenders →