Can You Get a Home Loan with an ITIN Number?

An ITIN home loan is a mortgage designed for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number — typically non-resident founders, work-visa holders, and immigrants who don't yet qualify for an SSN.

These aren't offered by every bank. They're a niche product, usually written by community banks, credit unions, or non-QM (non-qualified-mortgage) lenders who are set up to manually underwrite borrowers outside the standard conforming-loan box.

The process looks similar to a conventional mortgage, with a few extra verification steps: find a lender that explicitly offers ITIN loans, get pre-qualified, gather your documentation, submit the application, and go through appraisal and underwriting before closing.