No SSN? ITIN Mortgage Loans Can Help You Own a Home

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ITIN Mortgage Loans: 2025 Guide to Buying a Home Without a Social Security Number

Are you working in the U.S. and paying taxes with an ITIN number instead of a Social Security Number? Want to buy a home but worried you can’t get a mortgage? The good news is you can. This guide will walk you through how ITIN mortgage loans work, who qualifies, what documents you need, and how to get approved, even if other lenders have told you no.

What Are ITIN Mortgage Loans?

ITIN mortgage loans are home loans made for people who do not have a Social Security number but do have an Individual Taxpayer Identification Number (ITIN). The IRS gives ITINs to people who work and pay taxes in the U.S. but are not eligible for a Social Security number.

Most banks do not offer these loans. They are provided through non-QM lenders (non-qualified mortgage lenders) and portfolio loan programs that specialize in unique borrower situations.

With ITIN mortgage loans, you can buy a house just like someone with a Social Security number—even if you are undocumented or on a visa.
At Gustan Cho Associates, we specialize in helping people get approved when other lenders can’t. We proudly offer ITIN mortgage loans in 52 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands..

Who Can Get an ITIN Mortgage Loan?

You may qualify for an ITIN mortgage loan if you:

• Have a valid ITIN issued by the IRS
• Do not have a Social Security number
• Have filed tax returns for at least 2 years
• Earn income from a job or self-employment
• Can show proof of income with documents like tax returns, W-2s, or a CPA-prepared profit and loss statement
• Have a valid ID (passport, consular ID, or government-issued ID)
• Have a credit history (can be traditional or non-traditional, like rent, utility bills, or phone bills)

Even if other lenders have turned you down, we may be able to help you get approved for ITIN mortgage loans.

What is an ITIN Number?

An ITIN number is a special 9-digit number given by the IRS, and it always starts with the number “9.” This number is important for people who need to file taxes and report their income but cannot get a Social Security number.

People who can get an ITIN include undocumented workers, non-resident aliens, and those on certain visas. Having an ITIN allows these individuals to pay their taxes legally.

If you have an ITIN, you might be able to get ITIN mortgage loans. These loans can help you buy a primary home, a second home, or an investment property. Having an ITIN can create new chances for you to own a home.

Undocumented resident aliens who do not meet the eligibility requirements for a social security card and does not meet the IRS dependent test are issued the individual taxpayer identification number (ITIN). Undocumented resident aliens who do not meet to qualify for a social security card are able to get an ITIN number issued by the IRS by completing a Form W-7, to be able to work, file income taxes, and qualify for ITIN mortgage loans to qualify for a home purchase.

Is it Possible to Purchase a Home Using an ITIN Number?

 

You can totally buy a house with an ITIN number! While regular loans from banks and credit unions usually need a Social Security number, some lenders that offer non-QM loans are cool with ITIN numbers instead.

At Gustan Cho Associates, we work with over 210 lending partners who offer ITIN mortgage loans with flexible requirements and fast closings. Over 80% of our borrowers were denied by other lenders before finding us. We help people across the country make homeownership possible.

ITIN Mortgage Loan Requirements

Here are the general requirements for getting approved:

Down payment

You usually need a 20% to 30% down payment of the property’s purchase price. This means you should have enough cash ready to show your financial commitment. You can also receive gift funds from family members, which gives you some flexibility in gathering this money.

Credit

You can check your credit history in traditional and nontraditional ways. Traditional credit includes things like credit cards and car loans. Nontraditional credit uses other documents, such as rental history and utility bills. This approach helps people with limited access to traditional credit show that they are financially responsible.

Income

You need to provide a complete view of your financial history by submitting two years of income documents. You can use W-2s, 1099s, or profit and loss statements prepared by a CPA. It’s important to show a clear record of steady income so lenders can evaluate your ability to repay.

Tax returns

To support your income claims, you need to submit two years of federal tax returns filed with your ITIN (Individual Taxpayer Identification Number). This shows your tax compliance and gives a clear picture of your financial situation.

Valid ID

Acceptable forms of ID generally consist of a passport or a government-issued state identification. This helps confirm who you are and makes sure you follow the rules.

Bank statements

You need to provide bank statements that show you have enough money for the down payment and closing costs. Lenders require this paperwork to confirm that you have the cash to complete the purchase.

ITIN Mortgage Loan Process

The mortgage process for ITIN mortgage loans is more straightforward than most people expect:

1. Apply for your ITIN (if you don’t have one already) using IRS Form W-7
2. Get pre-approved with Gustan Cho Associates
3. Submit documents: tax returns, proof of income, credit history, ID, and bank statements
4. Home search and offer: Work with a real estate agent to find a home
5. Appraisal and underwriting: We handle the loan approval and appraisal
6. Closing: Sign documents and move into your new home

Most ITIN mortgage loans close in 30 days or less.

Types of Properties You Can Buy

You can use ITIN mortgage loans to buy:

1. Single-family homes
2. Townhouses
3. Condos
4. Duplexes, triplexes, and fourplexes
5. Primary homes, second homes, or rental properties

2025 Updates on ITIN Mortgage Loans

As of 2025, ITIN mortgage loans are more available than ever, thanks to growing support from non-QM lenders. Here are the latest trends:

• More lenders are entering the market to serve immigrant communities
• Competitive rates: While still higher than conventional loans, rates have stabilized
• Alternative credit accepted: Many lenders now accept rent, utility, and phone bill histories
• Fast closings: Some loans close in under 3 weeks with complete documents

If you were told “no” in the past, it might be time to try again. The market has changed—and so have your options.

Who We Help

Gustan Cho Associates has helped:

• Undocumented workers with steady income
• Self-employed business owners with ITINs
• Mixed-status families (e.g., spouse has ITIN, other has SSN)
• First-time buyers with limited credit history

Our motto: GCA Approves When Others Can’t.

Ready to Apply for an ITIN Mortgage Loan?

Buying a home without a Social Security number is possible—and we’re here to help. Gustan Cho Associates empowered by NEXA Mortgage, LLC. is the largest and most licensed lender in the United States. We know the ins and outs of ITIN mortgage loans. Our team allows borrowers who thought homeownership was out of reach.

If you have an ITIN and a dream of owning a home, let us guide you through the process with care, speed, and expert support.

Call us at 800-900-8569 or email alex@gustancho.com to get started today. You can also text us for faster help. Gustan Cho Associates: Your ITIN Loan Experts in 52 States

Frequently Asked Questions: ITIN Mortgage Loans

Q: What are ITIN Mortgage Loans?

A: ITIN mortgage loans are a way for folks with an Individual Taxpayer Identification Number (ITIN) from the IRS, who don’t have a Social Security number, to get financing for a home. These loans let you buy a house using your ITIN instead of an SSN.

Q: Can I Really Get a Home Loan Without a Social Security Number?

A: Yes! If you have an ITIN and meet the other loan requirements, you can get approved for ITIN mortgage loans and buy a home in the U.S.

Q: Who Qualifies for ITIN Mortgage Loans?

A: You qualify if you have an ITIN, steady income, filed taxes for 2 years, have a valid ID, and can show you have money for a down payment and closing costs.

Q: What Documents do I Need for an ITIN Mortgage Loan?

A: You’ll need 2 years of tax returns, proof of income (like W-2s, 1099s, or CPA statements), a valid passport or ID, and recent bank statements. These are standard for ITIN mortgage loans.

Q: How Much Money do I Need for a Down Payment?

A: Most ITIN mortgage loans require 20% to 30% down. You can use your savings or get gift money from a family member.

Q: Can I Get an ITIN Mortgage Loan with No Credit History?

A: Yes! If you don’t have traditional credit, you can use things like rental history, utility bills, or phone bills to show you pay your bills on time.

Q: What Kind of Homes Can I Buy with ITIN Mortgage Loans?

A: You can buy a house, condo, townhouse, or 2-to-4 unit property. ITIN mortgage loans work for primary homes, second homes, or rentals.

Q: How Long does the Loan Process Take?

A: Most ITIN mortgage loans close in 30 days or less if your documents are ready. Some close even faster!

Q: What if Another Lender has Already Said No?

A: Don’t worry—Gustan Cho Associates specializes in helping people who were denied elsewhere. We have lenders who approve tough cases for ITIN mortgage loans.

Q: How do I Start the ITIN Mortgage Loan Process?

A: To begin, contact us at 800-900-8569 or email us at alex@gustancho.com. For a quicker reply, you may also text us. We’ll efficiently assist you in obtaining pre-approval for ITIN mortgage loans.

This blog about “No SSN? ITIN Mortgage Loans Can Help You Own a Home” was updated on May 21st, 2025.