Common challenges
Most agency loans require an SSN. ITIN programs fill the gap.
Programs that fit
Self-employed
ITIN Loans
An ITIN loan is a non-QM mortgage for borrowers who file US taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
Learn more ›
Self-employedBank Statement Loans
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
Learn more ›
Tips before you apply
- Keep two years of filed returns or bank statements ready.
FAQ
What is the best mortgage for itin borrowers?
It depends on your documentation and goal. The programs that most often fit are ITIN Loans, Bank Statement Loans.