California ITIN Mortgage Loan Programs
ITIN programs may allow qualification for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number (ITIN) rather than a Social Security Number. Program availability, down payment requirements, rates, points, and underwriting guidelines are set by the funding lender and may change without notice. All loans are subject to credit, income, asset, property, and underwriting approval. Advanced Funding Solutions, NMLS #1277693.
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What Is an ITIN Mortgage Loan?
An ITIN mortgage loan is a non-QM home loan program in which the borrower's tax identification is established with an IRS-issued Individual Taxpayer Identification Number (ITIN) rather than a Social Security Number. Advanced Funding Solutions is a mortgage brokerage that works with a network of wholesale lenders offering ITIN programs across multiple investors.
What an ITIN Is and How It Is Used
The Individual Taxpayer Identification Number is issued by the IRS to individuals who are required to file U.S. tax returns but are not eligible for a Social Security Number. Non-QM ITIN mortgage programs use the ITIN in place of an SSN for tax-identification purposes. The loan structure, underwriting framework, and program guidelines are set by each funding lender.
How ITIN Programs Differ From Conventional Programs
Unlike a conventional loan, which is sold to Fannie Mae or Freddie Mac and requires a Social Security Number for the borrower of record, ITIN programs are funded by private-investor capital, and the funding lender sets the program guidelines (down payment, FICO floors, documentation requirements, rate pricing). Specific program parameters vary by funding lender and may change without notice.
For ITIN borrowers evaluating 1–4 unit investment property, an investor DSCR program may be reviewed alongside an ITIN scenario when rental income supports the debt-service calculation. Occupancy type, entity vesting, and reserves are set by the funding lender and vary by program.
ITIN loan rates, points, and closing costs are determined by the funding lender at the time of application based on credit profile, loan-to-value, occupancy, property type, loan amount, and program. Rates change without notice and are disclosed in writing during the formal application process as required by state and federal law. Any rate or cost figures discussed before a complete application are illustrative only and are not a quote, rate lock, or commitment to lend.
ITIN Documentation Generally Required
Documentation requirements are set by each funding lender and program. Common requirements include an IRS ITIN assignment letter, U.S. federal tax returns filed under the ITIN, income documentation (W-2s, 1099s, pay stubs, or bank-statement loans for self-employed borrowers), asset statements, and a valid government-issued photo ID. Final documentation requirements, FICO floors, and qualifying calculations are determined by the funding lender during underwriting.
ITIN programs are designed for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number rather than a Social Security Number. Specific down payment requirements, documentation, and program guidelines are set by the funding lender.
How ITIN Mortgage Programs Work With Advanced Funding Solutions
ITIN in place of SSN
ITIN mortgage programs use the IRS-issued Individual Taxpayer Identification Number in place of a Social Security Number for tax-identification purposes. Specific eligibility and documentation requirements are set by each funding lender and program.
Full-doc or alternative documentation (program-dependent)
Many ITIN programs follow full-documentation guidelines (tax returns, W-2s, pay stubs). Some funding lenders offer alternative-documentation paths for self-employed ITIN borrowers (such as bank-statement programs). Specific documentation paths are set by the funding lender.
Down payment set by program
Minimum down payment requirements for ITIN programs are set by each funding lender and vary by FICO, occupancy, property type, and program. Final eligibility is determined during underwriting.
Primary, second home & investment
ITIN programs may be available for primary residences, second homes, and 1–4 unit investment properties. Down payment, pricing, and program terms typically vary by occupancy type and are set by the funding lender.
Credit guidelines per program
Minimum credit score requirements and treatment of alternative tradelines (rent payment history, utility bills, insurance) for ITIN programs are set by each funding lender and program. Final eligibility is determined during underwriting.
Multi-lender review
Advanced Funding Solutions works with a network of wholesale lenders. We can review multiple ITIN programs across funding lenders for a given borrower scenario, subject to each lender's underwriting guidelines.
ITIN Loan Terms at Advanced Funding Solutions
Who ITIN Mortgage Programs May Be a Fit For
Contact Advanced Funding Solutions to discuss whether this program may be a fit for your situation. Eligibility, loan amounts, and terms are determined after a complete application and underwriting review.
Get a Quote →- Borrowers who file U.S. taxes using an ITIN rather than an SSN
- Foreign nationals living and working in the U.S. with an ITIN
- Resident aliens not yet eligible for a Social Security Number
- Self-employed ITIN borrowers exploring alternative-documentation programs
- ITIN borrowers exploring owner-occupant 1–4 unit investment scenarios
- ITIN borrowers seeking to build U.S. credit through homeownership
How to Apply for an ITIN Mortgage Loan
Confirm ITIN status and discuss the scenario
Advanced Funding Solutions will discuss the borrower's scenario, confirm ITIN status, and identify ITIN programs that may be a fit. Specific program eligibility (including treatment of ITIN expiration/renewal per IRS rules) is determined by each funding lender during underwriting.
Document income and assets
ITIN programs may require full-documentation income (tax returns, W-2s/1099s, pay stubs) or alternative documentation (bank statements for self-employed scenarios). Specific documentation requirements, including donor/gift-fund documentation where applicable, are set by each funding lender and program.
Credit review
Credit is pulled and reviewed per the funding lender's program guidelines. Treatment of thin or alternative-tradeline credit profiles (rent payment history, utility bills, insurance) varies by funding lender and program. Final credit eligibility is determined during underwriting.
Appraisal, underwriting & closing
Most ITIN files require a property appraisal. After a complete application, the funding lender performs underwriting and determines program eligibility, final loan amount, and terms. All loans are subject to credit, income, asset, property, and underwriting approval. Final loan terms are disclosed in writing during the formal application process.
ITIN Loans in California: Answered
How does Advanced Funding Solutions work with ITIN borrowers?
How much does an ITIN mortgage cost?
What is the down payment requirement for an ITIN loan?
Can ITIN borrowers buy investment property?
Are tax returns required to qualify for an ITIN loan?
Can an ITIN loan be refinanced into a conventional loan later?
What credit score is required for an ITIN loan?
How long does an ITIN loan take to close?
Related Loan Options
Program Disclosures
Advanced Funding Solutions is a mortgage brokerage (NMLS #1277693). Loan programs described on this page are offered through a network of wholesale lenders. Program availability, loan amounts, interest rates, points, fees, and underwriting guidelines are set by each funding lender and may change without notice. Not all borrowers will qualify for every program.
Any rates, costs, or timelines referenced on this page are illustrative only and are not a quote, rate lock, or commitment to lend. Actual rates and costs depend on the loan program, lender, credit profile, property type, occupancy, loan-to-value, and other factors, and are disclosed in writing during the formal application process as required by state and federal law.
All loans are subject to credit, income, asset, property, and underwriting approval. Pre-qualification is not a commitment to lend. State availability of specific programs varies — contact Advanced Funding Solutions to confirm whether a program is offered in your state. Equal Housing Opportunity.
Have a question about an ITIN scenario?
Advanced Funding Solutions, NMLS #1277693. Contact us to discuss whether an ITIN program may be appropriate for your scenario. All loans are subject to credit, income, asset, property, and underwriting approval.