ITIN mortgage loans are designed for borrowers who do not have a Social Security Number but hold a valid Individual Taxpayer Identification Number (ITIN). Whether you live in the U.S. or abroad, you may qualify to purchase or refinance residential property using alternative documentation.
No SSN required • Flexible documentation • Multiple property types
An ITIN loan is a non-traditional mortgage program that allows borrowers without an SSN to qualify for home financing using an ITIN. These loans are commonly used by non-citizens, foreign nationals living in the U.S., and self-employed borrowers who file taxes with an ITIN.
ITIN loans are available for both purchases and refinances, depending on borrower profile and property type.
ITIN mortgage programs may be available for:
Designed for borrowers purchasing a home as their primary residence. Qualification focuses on income stability and housing history.
Used for income-producing properties. Qualification emphasizes cash flow, reserves, and risk profile.
Loans by Kelly specializes in mortgage solutions for ITIN holders. We understand the documentation challenges, income structures, and underwriting requirements involved in ITIN financing.
Our advisors evaluate:
Service available in English, Portuguese, and Spanish, with secure document handling throughout the process.
If you have an ITIN and want to explore your mortgage options, Loans by Kelly is here to guide you through the process with clarity and confidence.
3 Simple Steps to Get Pre-Approved with Confidence
We begin with a quick conversation to understand your goals, review your financial situation, and identify the best loan options for you.
We match you with the right loan option, whether you’re a first-time homebuyer, investor, self-employed borrower, or using alternative documentation.
Submit your application and receive a fast, no-obligation pre-approval, so you can move forward with confidence.
