ITIN Mortgage Loans in California
Home loans for borrowers with Individual Taxpayer Identification Numbers. Flexible documentation and competitive terms for ITIN holders.
Overview
You do not need a Social Security number to buy a home. ITIN loans are designed for borrowers who file taxes with an Individual Taxpayer Identification Number, with flexible documentation, competitive terms and the same path to ownership as any other buyer. We work with lenders who specialize in ITIN programs across California, Arizona, Colorado, Florida and Texas.
Our ITIN loan program enables borrowers who file taxes with an Individual Taxpayer Identification Number to achieve homeownership. Flexible documentation requirements and competitive terms make this program accessible and practical.
Program Features
- ITIN accepted in lieu of SSN
- Flexible income documentation
- Purchase and refinance eligible
- Primary residence
- Down payments from 15%
- Bank statement and full-doc options
Ideal For
ITIN holders, immigrants working toward permanent residency, and borrowers without a Social Security Number.
How ITIN loans work
The borrower qualifies with an ITIN in place of a Social Security number, a valid government-issued ID (a passport or matrícula consular is typically accepted), two years of tax returns filed with the ITIN or alternative income documentation such as bank statements, and a credit history that can include non-traditional credit references such as rent and utilities where a credit score is thin.
Program highlights
Purchase and refinance, primary residences and investment properties, fixed-rate options, and down payments that vary by lender and credit profile. Gift funds are often allowed. Co-borrowers with or without an ITIN can be included. Loan amounts cover most East Bay and Central Valley purchases. Subject to credit approval; programs vary by lender.
What to expect
The process mirrors a standard mortgage: pre-approval, offer, appraisal, underwriting and closing, typically in 30 days or less. We explain each step clearly and tell you up front what documents each lender requires so there are no surprises.
ITIN Loan FAQs
Can I get a mortgage with an ITIN instead of a Social Security number?
Yes. ITIN loan programs exist for exactly this purpose, and we broker them with several lenders.
What documents do I need?
Your ITIN, a valid photo ID such as a passport, two years of tax returns or bank statements as income documentation, and proof of funds for the down payment.
Do I need a credit score?
A score helps, but some lenders accept alternative credit such as rent, utility and phone payment history.
How much is the down payment?
It varies by lender and credit profile. We will show you the options; gift funds from family are often allowed.
Can I buy an investment property with an ITIN loan?
Yes, with select lenders. Primary residences have the widest program availability.
Programs, terms and eligibility vary by lender and are subject to credit approval. This is not a commitment to lend. SiFi Lending is a mortgage broker (Simonich Financial, Inc., NMLS #2563307); we arrange loans, we do not make loans. Equal Housing Opportunity.