Alternative income
ITIN loans. A path to homeownership
Home financing for borrowers with an ITIN. We shop your loan with lenders who offer ITIN programs.
What an ITIN loan is
An ITIN loan lets borrowers who file taxes with an Individual Taxpayer Identification Number buy or refinance a home.
Specialty lenders offer these programs, and we shop them for you.
Who it fits
- Borrowers with an ITIN
- Self-employed borrowers and wage earners
- Families buying their first home
- Homeowners refinancing
The steps
How it works with us
- Tell us your goalsBuy or refinance, price range and how much you've saved.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Match the lenderWe find ITIN lenders whose rules fit your income and plans.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
Get ready
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID and ITIN letter
- Tax returns or bank statements
- Bank statements showing down payment and reserves
- Purchase contract or current mortgage statement
Questions
Good to know
Can I buy a home with an ITIN?
Yes. Several of our lenders offer ITIN home loans.
Can I refinance with an ITIN?
Yes. ITIN programs are available for refinances too.
How is income verified?
Usually with tax returns or bank statements, depending on the lender.
Does checking my options hurt my credit?
No. We start with one soft credit pull, which doesn't affect your score.