Home Financing Without a Social Security Number
At Advanced Funding Solutions, we help borrowers achieve homeownership using ITIN Mortgage Loans — a flexible financing option for individuals who do not have a Social Security Number (SSN) but file taxes using an Individual Taxpayer Identification Number (ITIN).
Our ITIN loan programs are designed for foreign nationals, non-permanent residents, and self-employed borrowers who live and work in the United States and want to purchase or refinance residential or investment properties.
What Is an ITIN Mortgage Loan?
An ITIN mortgage loan allows borrowers to qualify for a home loan using an ITIN instead of a Social Security Number. These loans are underwritten using alternative documentation, making them ideal for borrowers who earn income in the U.S. but do not qualify for traditional financing.
ITIN loans can be used for:
- Primary residences
- Second homes
- Investment properties
Advanced Funding Solutions specializes in Non-QM loan programs, giving borrowers more flexibility than conventional banks.
Who Qualifies for an ITIN Loan?
ITIN mortgage loans are commonly used by:
- Borrowers without a Social Security Number
- Foreign nationals living in the U.S.
- Self-employed individuals
- Business owners and entrepreneurs
- Real estate investors using ITINs
If you pay taxes using an ITIN and have verifiable income, you may qualify.
Benefits of ITIN Mortgage Loans
✔ No Social Security Number required
✔ ITIN accepted for qualification
✔ No W-2 required for self-employed borrowers
✔ Primary, second home, and investment options
✔ Flexible credit and documentation guidelines
✔ Available for LLCs (program dependent)
These programs are designed to remove common barriers to financing while still maintaining responsible underwriting standards.
ITIN Loan Requirements
While guidelines vary by program, ITIN mortgage loans typically require:
- Valid ITIN issued by the IRS
- Government-issued photo ID (passport)
- Proof of income (bank statements, P&L, or tax returns)
- Minimum 620 credit score (some programs allow lower)
- Down payment starting at 15–25% (based on occupancy)
- Cash reserves (varies by loan type)
Our loan specialists will help structure the best option based on your profile.
Acceptable Income Documentation
Depending on your situation, we may use:
- Bank statement income (12–24 months)
- Self-employed profit & loss statements
- CPA letters
- ITIN tax returns
- Rental income for investment properties
This flexibility allows borrowers to qualify even with non-traditional income sources.
Property Types Eligible for ITIN Loans
- Single-family homes
- Condos and townhomes
- 2–4 unit properties
- Rental and investment properties
- Short-term rentals (program dependent)
Properties must meet standard appraisal and condition requirements.
ITIN Loans for Real Estate Investors
Advanced Funding Solutions offers ITIN loan programs for investors looking to:
- Purchase rental properties
- Refinance existing investments
- Cash out equity
- Build long-term real estate portfolios
Investment ITIN loans are ideal for borrowers who generate income through real estate but do not qualify for conventional loans.
ITIN Loans vs Conventional Loans
| ITIN Loans | Conventional Loans |
| ITIN accepted | SSN required |
| Alternative income docs | W-2s & tax returns |
| Flexible underwriting | Strict guidelines |
| Investor-friendly | Owner-occupied focus |
Frequently Asked Questions
Can I get a mortgage with an ITIN?
Yes. If you have a valid ITIN and verifiable income, you may qualify for an ITIN mortgage loan.
Do ITIN loans require a Social Security Number?
No. ITIN loans do not require an SSN.
What credit score is needed for an ITIN loan?
Most programs start around 620, though some allow lower scores with higher down payments.
Are ITIN loans available for investment properties?
Yes. ITIN loans can be used for rental and investment properties.
Get Started with an ITIN Mortgage Loan
If you’re ready to purchase or refinance a home using an ITIN, Advanced Funding Solutions is here to help.
Why Work With Us?
✔ Fast pre-approvals
✔ Flexible Non-QM loan programs
✔ Experience with ITIN and foreign national borrowers
✔ Investor-focused solutions
Apply now or speak with an ITIN loan specialist today.
Questions? Contact Advanced Funding Solutions Today!