No Social Security number? You can still own a home.
If you file taxes with an ITIN, you may be able to buy a home using it. We guide hard-working families through the process step by step, in Spanish, with the respect and patience you deserve.
Who this is for
- Buyers who file taxes with an ITIN instead of a Social Security number
- Self-employed and cash-income earners who need flexible documentation
- Families who've been told 'no' elsewhere and want a real answer
- Families who want the whole process handled in the language they prefer — English or Spanish
How to apply for an ITIN loan
Start the conversation in Spanish
We sit down with you, in your language, to understand your income and your goals — no judgment, no rush.
Gather your documents
We explain exactly what to collect: your ITIN, tax returns, proof of income, and identification. We'll tell you what works for self-employed and cash income.
Match you to an ITIN program
We compare lenders that offer ITIN loans and show you the down payment, rate, and payment so you can decide with clear numbers. If a 15–20% down payment is out of reach, this is also where we look at the Earned Equity Program — the path most of our ITIN families actually use, because it can get you in with as little as 3.5% down.
Close and get your keys
We stay with you through underwriting and signing, explaining every page along the way.
Your ITIN is enough
You can qualify using your Individual Taxpayer Identification Number — no Social Security number required.
Flexible income documentation
We work with options for self-employed and cash-income borrowers, not just traditional W-2 paychecks.
Handled entirely in Spanish
From the first call to closing, you can do everything in Spanish with someone who treats you with respect.
A real path to ownership
If you've been turned away before, we'll give you a straight answer about what's possible for your family.
Today’s sample rates
Common questions
Can I really buy a home with an ITIN?
Yes. There are loan programs designed for borrowers who file taxes with an ITIN instead of a Social Security number. We work with lenders that offer them and will walk you through what you need to qualify.
How much do I need for a down payment with an ITIN loan?
ITIN programs usually ask for a larger down payment than standard loans — often in the range of 10% to 20% — because they're specialized. But that's not the whole story: the Earned Equity Program can get ITIN buyers in with as little as 3.5% down, and it's the path most of our ITIN families end up using. We'll give you the exact figure for the program that fits you.
What documents do I need?
Generally your ITIN, recent tax returns, proof of income, and identification. If you're self-employed or paid in cash, we'll explain the additional ways to document your earnings.
Do you handle the whole process in Spanish?
Yes. You can do everything — every call, every document, every explanation — in Spanish. Serving families in the language they're most comfortable in is at the heart of what we do.
What property types can I buy with an ITIN loan?
ITIN loans are usually for a primary residence — single-family homes, condos, and townhomes are the most common. Some lenders also allow a second home or a small rental. Because each ITIN program sets its own property rules, we confirm what your lender will approve for the specific home before you get too far in.
Do I need legal immigration status to qualify for an ITIN loan?
ITIN loan programs look mainly at your ability to repay — your income, your credit, and your down payment. Requirements vary by lender, and some may ask for specific identification or residency documents. We go over exactly what your lender asks for so you know where you stand from the start.
What if I don't have much credit history?
That's common, and it doesn't automatically stop you. Some ITIN programs accept alternative credit — things like rent, utility, or insurance payments — to show you pay on time. We review what you have and explain how to strengthen it if you need to.
Is an ITIN loan a non-QM loan?
Yes — ITIN loans belong to the non-QM family ("non-qualified mortgage"). That label doesn't mean risky or unregulated; it just means the loan doesn't follow Fannie Mae and Freddie Mac's standard rulebook, which requires a Social Security number. The lender still verifies your income, your credit history, and your ability to repay — the guidelines simply accept an ITIN instead.
What if I can't save 15–20% for the down payment?
Ask about the Earned Equity Program — it's how most of the ITIN families we work with actually buy. A government housing agency purchases the home with an FHA loan, so you can get in with as little as 3.5% down, and you move in under a homeownership agreement with a buyout price set up front. Any appreciation after that is 100% yours — there's no shared-appreciation split. It's a different structure than a direct ITIN mortgage, so we walk you through both and let the numbers decide. Approval depends on full underwriting and current guidelines.