/PROGRAM

ITIN mortgage loans

A bank says no SSN means no loan, or quotes a program wanting W-2s and tax transcripts that do not match how you actually file. Nobody looks at what you do have.

A mortgage for people who file US taxes with an ITIN instead of a Social Security number, qualifying on documented income, assets, rent and utility history, or the property itself, rather than a traditional SSN-based credit file.

Who an ITIN loan is for

Cash-economy business owner

Years running a trade or service business, filing with an ITIN, renting the same neighborhood the whole time.

Mixed-status household

One filer uses an ITIN, and a lender said the file couldn’t be combined rather than looking into it.

ITIN investor

One or two rental doors already, sometimes titled in an LLC, reserves built from the business.

Thin-file, strong-history filer

Five-plus years of filings, on-time rent, utilities in your own name, and no traditional bureau file.

Large-reserve saver

The money to buy is already in the account, but there is almost no US credit history behind it.

How an ITIN loan works

Send your tax filings and whatever payment history you have, rent, utilities, insurance.
Qualifying works off documented income, assets and alternative payment history rather than an SSN-based credit file.
An investment property titled for business purpose is a different lane than a primary residence. I confirm which applies.
Eligibility varies by scenario. I tell you what your file actually supports.

Questions about an ITIN loan

I don’t have a Social Security number, isn’t that the end of it?

It isn’t. This program is built around the ITIN specifically; it works off your tax filings and payment history instead.

I don’t have a credit score.

Not necessarily a dealbreaker. Rent and utility history can stand in for a thin or absent score, and the decision still reads your full file rather than one number.

My landlord never reported my rent, so I have no proof.

There are ways to document consistent payment even without automatic reporting. Let’s see what you have on hand.

Is money I received from abroad going to be a problem?

Documented funds are documented funds. We just need to source and paper-trail it properly. That’s a normal part of any file.

Will applying for a mortgage affect our immigration situation?

I can’t advise on immigration. That’s outside what I do, and I’d point you to an immigration attorney. What I can walk you through is how the mortgage itself works.

Next step

Send this scenario

Tell me the property and the plan and I’ll come back with what’s eligible. Eligibility and terms vary by scenario.

Let’s find your path

Draft copy, pending review by adscompliance@nexalending.com before publication.

← All programs