ITIN Lenders 2026: Who Does ITIN Mortgages and What the Requirements Are

An Individual Taxpayer Identification Number is not a Social Security number and cannot be used for agency loans. Fannie Mae, Freddie Mac, FHA, VA, and USDA all require a valid SSN for primary borrowers. That leaves ITIN borrowers in the non-QM or portfolio lending space, where a subset of lenders have built programs specifically for this population.

What ITIN Lenders Actually Require

• ✦Valid ITIN issued by the IRS: the lender will verify the ITIN is active and matches the borrower's tax filing history.
• ✦Two years of US credit history: most ITIN lenders want at least 12 to 24 months of tradeline history using the ITIN. Tradelines can include credit cards, auto loans, or utilities reported to US bureaus.
• ✦Income documentation: bank statements or tax returns filed with the ITIN. Two years of consistent filing history is preferred. Lenders will look for income trends across the filing period.
• ✦Down payment: typical minimum is 15 to 20 percent. Some lenders require 25 percent. Gift funds are generally permitted from family members.
• ✦Reserves: 3 to 6 months PITIA is standard. Some lenders require more for larger loan amounts.

Active ITIN Mortgage Lenders

• ✦Acra Lending has a documented ITIN program with guidelines available through their broker portal.
• ✦A&D Mortgage has offered ITIN products in the past. Confirm current availability through their wholesale desk.
• ✦Community and minority-serving banks: smaller regional institutions in markets with large immigrant populations sometimes have ITIN programs not listed on wholesale portals. Worth calling directly in markets like TX, FL, CA, and NY.
• ✦Credit unions: some federal credit unions have ITIN member lending programs. These are typically portfolio products held on balance sheet.

Pricing and Program Nuances

• ✦ITIN loan pricing runs 50 to 150 basis points above comparable non-QM with a Social Security number.
• ✦Loan amounts are typically capped at conforming or slightly above. ITIN jumbo is rare.
• ✦Property types: most ITIN lenders restrict to 1 to 4 unit residential. Non-owner-occupied ITIN is available from a small number of lenders.