ITIN Home Loans
Bottom line: Buy or refinance a home with an Individual Taxpayer Identification Number — no Social Security Number required, and borrowers with no credit history are eligible. Minimum 15% down, gift funds allowed, no prepayment penalties.
Millions of people file taxes with an ITIN and have steady income but no SSN — and conventional lenders turn them away at the door. This program is built for exactly those borrowers: purchase or refinance on most property types, with application support available in English and Spanish.
Reviewed by Vision One Mortgage, Inc. · NMLS #7861 · Last reviewed: October 2026
ITIN Home Loans is a Non-QM program for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number. You can purchase or refinance a home with no SSN required and no credit history necessary — with a minimum 15% down payment, gift funds allowed toward the down payment, and no prepayment penalties. Program terms are subject to change.
Key Takeaways
- No Social Security Number required — an ITIN is enough to apply.
- Minimum 15% down payment; gift funds allowed toward the down payment.
- Borrowers with no established credit history are eligible.
- Purchase or refinance on most property types; no prepayment penalties.
“For millions of ITIN holders, the missing piece was never the ability to pay — it was paperwork that accepts an ITIN instead of an SSN. This program closes that gap.”
— Vision One Mortgage, Inc. · NMLS #7861
Have a live deal? Get a scenario solution fast.
Send us the numbers — price, income type, credit — and a NonQM Rates specialist will structure it, typically same business day.
Submit Your Deal ScenarioHomebuyers with an ITIN — not an SSN
- ITIN holders who file taxes but do not have a Social Security Number
- Borrowers with no established credit history
- First-time ITIN homebuyers who have been turned away by conventional lenders
- Borrowers using family gift funds toward their down payment
- Buyers who need English or Spanish application support
How ITIN Home Loans work
- Purchase or refinance — both eligible loan purposes
- Minimum 15% down payment toward the home
- Gift funds allowed toward the down payment
- No prepayment penalties
- No Social Security Number required — an ITIN is enough
- Borrowers with no credit are eligible
- Most property types accepted
- Same programs, guidelines, rates, and requirements as SSN borrowers
- No work visa, EAD, or green card required
- Only 12 months of income history required
- Full or alternative income documentation accepted
- Up to 85% of the property's value — loan amounts from $50,000
- DTI up to 60% — 600+ credit score where credit is established
- English and Spanish application support available (the website itself is English-only)
Program terms are subject to change. Available through NonQM Rates in our licensed states (Arizona, California, Florida, Georgia, Texas) and business-purpose jurisdictions — see our coverage page.
Guidelines vary by program and are subject to change — including down payment minimums, gift-fund rules, and eligible property types. Check your eligibility or call 949-241-9489 for current details. NMLS #7861. Compare payments on the payment calculator →
ITIN Home Loans FAQ
Do I need a Social Security Number to get an ITIN home loan?
No. This program is built for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number. No SSN is required at any step of the process. More: can you buy a house with an ITIN number.
Can I use gift funds for the down payment?
Yes — gift funds, typically from family, are allowed toward the down payment, subject to program guidelines on documenting the gift. Program terms are subject to change.
What down payment is required?
A minimum 15% down payment is required. Gift funds may be used toward the down payment. Program terms are subject to change. More: ITIN mortgage requirements.
Can I qualify with no credit history?
Yes — borrowers with no established credit history are eligible. Alternative credit documentation may be reviewed in place of a traditional credit score. Guidelines vary by investor and are subject to change.
Is application support really available in Spanish?
Yes. English and Spanish application support is available as part of this program — you can complete the application process in either language. Note that the NonQM Rates website itself is English-only.
How is this different from your general ITIN Loans page?
This page describes the dedicated ITIN Home Loans program — purchase or refinance with a minimum 15% down, gift funds allowed, and no prepayment penalties. Our general ITIN Loans guide covers ITIN borrowing more broadly. Foreign National borrowers should also compare Near Miss if a recent credit event is part of the picture.
Keep exploring: ITIN Loans · Foreign National · buy a house with an ITIN · ITIN mortgage requirements
ITIN Home Loans vs. ITIN loans vs. conventional
Also see our general ITIN Loans guide for the broader picture. Three paths for a homebuyer — the right one depends on whether you have an SSN, a credit history, and how much you can put down.
| Feature | ITIN Home Loans | ITIN Loans | Conventional Loan |
|---|---|---|---|
| SSN required | No — ITIN accepted | No — ITIN accepted | Yes, an SSN is required |
| Down payment | Minimum 15%; gift funds allowed | Varies by program | Lower minimums possible — but only with an SSN and established credit |
| Credit history | No credit history eligible | Varies by program | Established credit history typically required |
| Gift funds | Allowed toward the down payment | Varies by program | Allowed with documentation and restrictions |
| Income docs | ITIN tax history; alternative options reviewed | Varies by program | Full documentation: tax returns, W-2s, pay stubs |
| Best for | ITIN holders buying with 15% down plus gift funds | ITIN borrowers comparing their options | SSN holders with established credit |
| Pick it when | You have an ITIN, no SSN, and family help toward 15% down | You want the full ITIN picture before choosing a program | You have an SSN and credit history — usually the lowest cost |
Sample comparison for illustration; guidelines vary by investor and are subject to change.
ITIN Home Loans on a first-time purchase
Illustrative example — not a quote or commitment to lend. An ITIN holder with steady income but no Social Security Number and no credit history is buying a $420,000 home. With a minimum 15% down payment — $63,000 — part of which comes from family gift funds, the purchase clears the program's down-payment requirement. The borrower qualifies on their ITIN tax history, no SSN required, and the gift funds are documented per program guidelines: same home, paperwork that accepts the borrower's ITIN instead of demanding an SSN.
Who ITIN Home Loans is NOT for
- SSN holders who qualify for conventional loans — conventional financing will usually price better when you have an SSN and established credit.
- Borrowers seeking less than 15% down — this program requires a minimum 15% down payment; lower-down-payment options sit on conventional paths that require an SSN.
- Borrowers who already have an SSN and strong credit — conventional or FHA paths are typically cheaper; this program exists for borrowers those paths exclude.
Your path from scenario to funded
No black box. Here is exactly how a deal moves with us — and what happens after you close.
Submit your scenario
Price, rent, credit, timeline. Get a straight answer on program fit — typically same business day.
Know your numbers
This page is step two. By the time you apply, you already understand the structure — no surprises.
Apply with a short checklist
A focused application built around the document checklist on this page. Nothing extra, nothing missing.
Close — then what’s next
Milestone updates through closing. After you fund, we watch for refinance windows and your next acquisition.
Plan your exit before you enter
Every investor loan needs an exit strategy. Here are the paths investors typically take from here — we help you pick the right one before you commit.
- Hold the property
- Refinance when credit profile improves
- Sell when the timing is right
Ready to run your numbers?
Every deal is different — submit your scenario and get a straight answer on program fit and structure, typically same business day.
Submit Your Deal ScenarioSee if you qualify for ITIN Home Loans
60 seconds. No obligation. NMLS #7861.
