ITIN mortgage programs may provide financing options for eligible borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. Loans by Kelly helps borrowers explore purchase and refinance options for eligible residential properties, subject to lender, documentation, property, and underwriting requirements.
An ITIN mortgage loan may provide financing options for eligible borrowers who use an ITIN for tax identification purposes. Depending on the lender and program, ITIN mortgage options may be available for purchases, refinances, primary residences, second homes, and eligible investment properties. Qualification, documentation, property, and underwriting requirements vary by lender and program.
ITIN mortgage programs may be available for:
Documentation requirements vary by lender and program and may include identity and ITIN documentation, income documentation, employment or business history, asset and reserve information, and property-related documentation.
Do not submit passports, ITIN letters, bank statements, tax returns, or other sensitive financial documents through this website or by email. Confidential documentation should be submitted through the secure mortgage application portal.
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 helps borrowers explore ITIN mortgage options based on their financing goals, documentation profile, property type, and applicable lender requirements. Our approach focuses on clear communication and guidance throughout the mortgage review process.
If you use an ITIN and are exploring mortgage financing, Loans by Kelly can help you review available options and understand applicable documentation, property, lender, and underwriting requirements.
3 Simple Steps to Start Your Mortgage Review
We begin with a conversation to understand your home financing goals and general mortgage needs.
We review mortgage options based on your goals, property type, occupancy, documentation profile, and applicable lender guidelines.
Submit a secure application to begin the mortgage review process. Any preapproval requires applicable documentation and underwriting review.
