ITIN Overview:
What is an ITIN Loan?
Documents you'll need
Benefits of an ITIN Loan
Requirements for ITIN Loans
Apply today!
What is an
ITIN Loan?
What is an ITIN Loan?
ITIN loans provide a path to homeownership for non-U.S. citizens and residents who don’t have a Social Security number (SSN) but have an Individual Taxpayer Identification Number (ITIN). These loans allow borrowers to purchase, refinance, or renovate properties using their ITIN instead of an SSN, making homeownership accessible to immigrants, foreign nationals, and undocumented individuals who pay U.S. taxes.
How to get an ITIN Number
Applying for an Individual Taxpayer Identification Number (ITIN) is a straightforward process, and you don’t need a Social Security Number (SSN) to get one. Best of all, processing times are usually quick.
Start by completing Form W-7, the official IRS application for an ITIN. Along with the form, you’ll need to submit:
A federal tax return (this is required, your ITIN will be linked to it).
Supporting identification documents, such as a passport, birth certificate, driver’s license, or other government-issued ID.
Pro tip: The more documentation you provide, the smoother the process will be.
2. Submit Your Application
You can mail everything to the IRS or apply in person at a designated IRS Taxpayer Assistance Center. They’ll verify your identity, match your documents to your tax return, and issue your ITIN.
3. Wait for Approval
Most applicants receive their ITIN within 4–6 weeks. If you apply during tax season (January–April), processing might take a bit longer due to higher volume.
Once you have your ITIN, you’re all set for tax filing, banking, and other financial needs—no SSN required!
Requirements for an ITIN Loan
Identification
You’ll need to provide your ITIN card as your primary identification. Most lenders will also ask for a secondary form of ID, such as a driver’s license or passport. These documents help verify your identity securely.
Credit History
ITIN loans often have more flexible credit requirements than traditional mortgages. While lenders will review your credit score, a less-than-perfect history doesn’t automatically disqualify you. Be prepared to discuss any existing debts and your payment track record.
Employment Verification
Expect to show proof of at least two years of steady employment. This can include traditional employment or self-employment income. Consistent work history demonstrates your ability to maintain mortgage payments.
Tax Documentation
You’ll need to provide your last two years of filed tax returns. These documents help lenders assess your income stability. Make sure your returns are complete and accurately reflect your earnings.
Financial Records
Lenders will request recent bank statements to review your financial health. Additional assets, like investments or property, can strengthen your application. Having savings in a U.S. bank account is particularly helpful.
Down Payment
Plan for a down payment of at least 20% of the home’s value. This is standard for ITIN mortgage loans. The exact percentage may vary slightly depending on the lender’s requirements.
We specialize in making your loans accessible and stress-free. Our team will guide you through each step of the process. When you’re ready to begin, we’re here to help.
Benefits of an
ITIN Loan
Benefits of an ITIN Loan
No SSN Required
Your ITIN serves as valid identification for mortgage approval. This alternative works for non-citizens and foreign investors alike. The flexible requirements help overcome common lending barriers. You’ll need just basic tax documents to get started.
Build Credit Faster
“Each on-time payment reports directly to credit bureaus, steadily building your credit history. You’ll begin seeing your score improve within just a few months – real progress you can track.
Fair, Stable Rates
ITIN loans beat hard money lender terms significantly. Fixed-rate options prevent payment surprises. We customize terms for your budget. You’ll avoid predatory interest rates completely.
Ready to take advantage of ITIN Loans? Contact our expert team today, we’re ready to help you through each step of your financing journey.
Documents you will need:
The Documents
you will need:
Identity Verification
You’ll need to provide your valid ITIN (Individual Taxpayer Identification Number) along with a government-issued photo ID. While documents like a visa or green card are helpful, some lenders may also accept foreign passports or consular IDs for verification.
Income Verification
Lenders will require proof of stable income, such as recent pay stubs, tax returns (usually the past two years), and bank statements. If you’re self-employed, additional documentation like profit/loss statements or 1099 forms may be needed to verify your earnings.
Credit Documentation
Since ITIN loans don’t rely on traditional credit scores, lenders may evaluate alternative credit data. This can include rental payment history, utility bills, or even international credit reports if available. Providing at least 6–12 months of consistent payment records will strengthen your application.
Simple Process
We simplify everything—no endless documents or confusing hurdles. Just straightforward terms and a transparent process from application to funding.
Expert Service
Our dedicated loan experts bring decades of experience to every deal. As your premier mortgage lender we will craft solutions tailored to your project’s unique needs.
Quick Closing
Pro Investor Capital closes loans in as little as 5–7 days, far faster than traditional lenders. This means you secure deals before competitors even finish paperwork.
Interested in ITIN?
An ITIN Loan is ideal for:
Foreign investors needing U.S. property financing without an SSN
Immigrant homebuyers establishing credit and residency
Self-employed professionals using flexible income verification
Thin-credit borrowers qualifying through alternative payment history
Savvy investors expanding rental portfolios strategically
First-time buyers accessing affordable homeownership options
Take the Next Step
Ready to achieve homeownership without an SSN?
Whether you’re a foreign investor, self-employed professional, or building your U.S. credit history, ITIN loans open doors when traditional financing won’t. With competitive rates and flexible qualifications, these loans help you purchase property, establish credit, and avoid costly hard money alternatives.
Contact us today to explore your options – let’s make homeownership possible, one smart financial step at a time.