10 Best Mortgage Lenders for ITIN Loans
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ITIN loans are for borrowers who are ineligible for Social Security numbers. You can use a U.S. individual taxpayer identification number and other documents to apply for an ITIN mortgage.
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Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
10 Best Mortgage Lenders for ITIN Loans
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
 New American Funding: NMLS#6606 Top 3 most visited 🏆 Learn more at New American Funding | 580 | N/A | Top 3 most visited 🏆 Learn more at New American Funding | |
 Network Capital: NMLS#11712 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 CrossCountry Mortgage: NMLS#3029 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
620 | 3% | |||
 Flagstar: NMLS#417490 Compare More Lenders on NerdWallet | N/A | 5% | Compare More Lenders on NerdWallet |
What is an ITIN?
An ITIN, or individual taxpayer identification number, is a number issued by the Internal Revenue Service to someone who isn't eligible to have a Social Security number but is required to file a federal tax return. Immigrants who are living and working here legally but aren't U.S. citizens are among those who may need ITINs. The IRS website has instructions on how to apply for an ITIN.
What are ITIN mortgages?
ITIN mortgages are home loans for people who don't have and aren't eligible to get Social Security numbers. A borrower applies for an ITIN mortgage by providing an individual taxpayer identification number and other documentation.
Where can I find ITIN loans?
Only certain banks, credit unions and other lenders offer ITIN loans, so you may need to do more shopping around than an applicant would for a traditional mortgage. Not all lenders that offer ITIN loans make that information easy to find — for example, by featuring ITIN loans on their websites — so you may need to make some phone calls to confirm availability and details.
Qualifying for an ITIN mortgage
Mortgage lenders usually use an applicant's Social Security number to track down the person's credit history from the credit reporting bureaus. Without a Social Security number, lenders must rely on other documentation, such as tax returns, bank statements and utility bills.
The documentation and credit requirements vary by lender, but for an ITIN loan you'll generally need to show proof of two years of employment and two years of tax returns and be prepared to make a higher down payment than for a traditional mortgage. The down payment requirement for an ITIN mortgage is typically 10% to 20%, and applicants may need to show they have a certain amount of cash reserves.
What are interest rates like for ITIN loans?
ITIN loans tend to have higher mortgage interest rates than conventional home loans, because lenders consider ITIN loans to be higher risk. In addition to not being able to pull a credit history for the borrower, lenders typically need to keep ITIN mortgages on their own books, because these nonconforming loans are not government-backed and generally can't be resold. Lenders will charge a bit more to cover the risk of being stuck with the loan in case of borrower default.
Last updated on February 7, 2025
Methodology
The star ratings on this page reflect each lender's home loans overall star ratings. Read more about how we determine those ratings.
The lenders on this page are chosen using this methodology:
NerdWallet reviewed more than 50 mortgage lenders, including the majority of the largest U.S. mortgage lenders by annual loan volume (measured among lenders with at least a 1% market share), lenders with significant online search volume, and those that specialize in serving various audiences across the country.
For inclusion in this roundup, lenders must offer ITIN mortgage loans and achieve at least an overall 3-star rating from NerdWallet.
NerdWallet solicits information from reviewed lenders on a recurring basis throughout the year. All lender-provided information is verified through lender websites and surveys. We also used 2022 HMDA data for origination volume, origination fee, rate spread and share-of-product data.
NerdWallet's Best Mortgage Lenders for ITIN Loans
- New American Funding: Best for first-time home buyers
- Network Capital: Best for customer service
- CrossCountry Mortgage: Best for fast closing
- Rate: Best for first-time home buyers
- Flagstar: Best for mortgage lending overall
- AmeriSave: Best for fast closing
- State Employees' Credit Union: Best for credit union lending
- Guild Mortgage: Best for nontraditional credit histories
- Carrington: Best for nontraditional credit histories
- loanDepot: Best for streamlined process
