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ITIN Loans
No Social Security number? No problem. We believe homeownership should be accessible to everyone. ITIN loans provide a clear path to buying a home using your Individual Taxpayer Identification Number.
Who Is This Loan For?
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✅ Borrowers with an ITIN (Individual Taxpayer Identification Number)
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✅ Non-citizens who want to purchase a home in the United States
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✅ Borrowers without a Social Security number
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✅ Foreign nationals working and paying taxes in the U.S.
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✅ DACA recipients and other documented immigrants
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✅ Anyone who files taxes with an ITIN and wants to build wealth through homeownership
What Is an ITIN Loan?
An ITIN (Individual Taxpayer Identification Number) is a tax processing number issued by the IRS to individuals who are required to file taxes but don't have—and aren't eligible for—a Social Security number. Most traditional mortgage programs require a Social Security number. That locks out millions of hardworking people who pay taxes, have stable income, and are ready to buy a home.
An ITIN loan changes that.
ITIN loans allow you to qualify for a mortgage using your ITIN instead of an SSN. The process is similar to a traditional mortgage—income verification, credit review, down payment—but with documentation requirements tailored to ITIN holders.
At Team Malik, we have an Good approval rate for qualified ITIN applicants. We understand the unique documentation challenges and we know how to structure your file for success. Licensed in Florida, New Jersey, and Pennsylvania.
How ITIN Loans Work
The process is straightforward:
1. You apply using your ITIN instead of a Social Security number.
Your ITIN serves as your identification for the mortgage application. No SSN is needed at any point in the process.
2. We verify your income and ability to repay.
Just like any mortgage, we need to confirm you can afford the payments. We accept multiple forms of documentation (see below).
3. We review your credit history.
Some ITIN borrowers have traditional credit (credit cards, auto loans). Others don't. We can work with alternative credit sources like rent payments, utility bills, and phone bills to build a credit profile.
4. You provide a down payment and close on your home.
Down payment requirements vary by program. Once approved, the closing process is the same as any other mortgage.
ITIN Loan Requirements
Identification
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Valid ITIN (Individual Taxpayer Identification Number)
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Government-issued photo ID (passport, consular ID, or foreign national ID)
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No Social Security number required
Income Documentation
We accept flexible documentation, including:
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Tax returns (1–2 years filed with your ITIN)
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W-2s or 1099s
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Bank statements (12–24 months)
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Pay stubs
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Employer letter confirming employment and income
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We'll use whichever combination works best for your situation
Credit
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Traditional credit history (credit cards, auto loans, etc.) is preferred
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No credit score? We can use alternative credit:
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12 months of on-time rent payments
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12 months of utility bill payments (electric, gas, water)
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12 months of phone bill payments
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12 months of insurance payments
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You'll typically need 3–4 alternative credit references
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Down Payment
Varies by program—typically 10–20%. Higher down payments can unlock better rates and terms.
Property Types
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Primary residences (most common)
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Some programs allow second homes
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Investment properties available in select programs
Tax Filing History
Most programs require 1–2 years of tax returns filed with your ITIN. This demonstrates a history of tax compliance and helps verify income.
What Makes Team Malik Different for ITIN Loans
85% approval rate for qualified applicants. Here's why:
We know the documentation inside and out.
ITIN files are more complex than traditional mortgages. We've processed hundreds of them. We know exactly which documents you need, how to organize your file, and how to present your case to underwriting.
We work with multiple ITIN programs.
As both a direct lender and a broker, we have access to multiple ITIN loan programs. If one doesn't fit, we have alternatives. This flexibility is why our approval rate is so high.
We speak your language.
Buying a home is stressful enough without language barriers. We're here to guide you through every step in a way that's clear and comfortable.
We believe in your dream.
You work hard. You pay taxes. You deserve to own a home. We're committed to making that happen.
The ITIN Loan Process
Step 1 — Free Consultation
We review your situation: ITIN status, income sources, credit history (or alternative credit), and savings. We'll tell you exactly what you need and whether you're ready to apply. No cost, no obligation.
Step 2 — Document Collection
We'll give you a clear checklist of 5 key documents you need:
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Valid ITIN
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Government-issued photo ID
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Income proof (tax returns, bank statements, pay stubs, or employer letter)
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Asset documentation (bank statements showing savings/down payment)
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Credit references (traditional or alternative)
We'll help you
Frequently Asked Questions
What credit score do I need for a ITIN loan?
620 is the minimum. You'll qualify for better rates at 680+, and the best rates at 740+. Most of our borrowers fall somewhere in the 640–720 range.
How much do I need for a down payment?
As little as 15-20% for a primary residence. 20% eliminates PMI. Investment properties typically require 15–25% down.
What is PMI and how do I get rid of it?
Private Mortgage Insurance is required when you put less than 20% down. You can request removal once you reach 20% equity, and it's automatically removed at 22%.
How long does the process take?
Our average is 21–35 days from application to closing.
Can I use gift funds for my down payment?
Yes. ITIN loans allow gift funds from family members for the down payment. There are specific documentation requirements—we'll walk you through it.
Explore Other Loan Options
FHA Loans → Low down payment and flexible credit. Great for first-time buyers.
DSCR Loans → Qualify on rental income. Built for investors.
Bank Statement Loans → Self-employed? Use your deposits to qualify.