ITIN loans provide home financing options for borrowers who do not have a Social Security number but file taxes using an Individual Taxpayer Identification Number (ITIN). These loans are designed to help qualified borrowers purchase or refinance a home using alternative documentation.
At Seattle Mortgage Pros, we help ITIN borrowers explore mortgage options with clear guidance, realistic expectations, and a solutions-first approach.
An ITIN loan is a type of mortgage designed for borrowers who:
ITIN loans are typically offered through specialty and Non-QM lenders and follow different qualification guidelines than traditional mortgages.
ITIN loans can be used to purchase a primary residence, allowing qualified borrowers to become homeowners even without a Social Security number. These programs often require a down payment and documented income, but provide a clear path to ownership.
Homeowners with ITIN status may also be able to refinance an existing mortgage to improve terms, lower payments, or access home equity—depending on eligibility and loan structure.
Each scenario is reviewed individually, and requirements may vary by lender.
Qualification for an ITIN loan is based on a combination of factors, including:
Many ITIN borrowers qualify using alternative credit, such as rental history or utility payments, when traditional credit is limited.
ITIN loans help borrowers:
With the right structure, ITIN loans can open doors that traditional lending may not.
Seattle Mortgage Pros works closely with lenders that offer ITIN mortgage programs. We help borrowers understand documentation requirements, prepare strong applications, and determine which loan options are most realistic.
Our approach focuses on:
If you file taxes using an ITIN and are exploring homeownership or refinancing, Seattle Mortgage Pros can help you understand your mortgage options and next steps.
With the right guidance, an ITIN loan can be a meaningful path toward owning a home.
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