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Loan guide

ITIN loan

Home loans for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number. Best for: Hard-working buyers with an ITIN, steady income and a history of filing US taxes.

Key facts

  • Offered by specialist (non-QM) lenders rather than FHA, VA, USDA or most conventional programs.
  • Down payments are commonly 10% to 20% or more.
  • Income is usually shown with tax returns filed under your ITIN, or with bank statements.
  • Credit can be shown with a traditional credit report or, with some lenders, rent and utility payment history.
  • Rates are higher than standard loans, and terms vary from lender to lender.

Pros

  • A path to owning instead of renting
  • Builds equity and a US credit history
  • Can be used for a main home and, with some lenders, investment property

Cons

  • Higher rates and fees than standard loans
  • Larger down payment
  • Fewer lenders, so shopping around matters
Check if I qualify Compare with other loans How much can I afford?Mortgage payment

More detail: LoansAndHouses.com loan programs

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Common questions

Who is a ITIN loan best for?

Hard-working buyers with an ITIN, steady income and a history of filing US taxes.

What are the main pros and cons of a ITIN loan?

Pros: A path to owning instead of renting; Builds equity and a US credit history; Can be used for a main home and, with some lenders, investment property. Cons: Higher rates and fees than standard loans; Larger down payment; Fewer lenders, so shopping around matters.

Figures checked October 2026 and subject to change. Loan limits are updated each January. Program rules, eligibility and pricing vary by lender and borrower. Not a commitment to lend. Bill McElhill, NMLS #2176490, licensed in Florida, Georgia and Texas.

Your next step

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Educational information only. This page gives general information to help you learn and plan. It is not legal, tax, financial or other professional advice, or an offer to lend. For advice on your situation, talk to a licensed professional. Terms of use

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