Non-QM
ITIN program
Residential financing for borrowers who file with an ITIN rather than a Social Security number.
- ITIN accepted
- Purchase and refinance
- Full or alternative docs
Who it is for
Borrowers who are tax-identified with an ITIN and need a lender that will underwrite that file.
ITIN programs exist because a large share of capable buyers are not in the SSA system. We still need a coherent credit, income, and occupancy story — just not a Social Security number as the only identifier.
Questions
- Is ITIN the same as foreign national?
- No. ITIN borrowers typically have a U.S. tax filing history. Foreign national programs are built for non-resident purchasers.
Related programs
- Foreign national
Financing for non-U.S. citizens purchasing or refinancing U.S. residential property.
- FHA
Lower down payment and more flexible credit for owner-occupied purchases.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.