Question 1

Can I get an ITIN loan with an EIN instead of a personal ITIN?

Accepted Answer

No. Lenders require a personal ITIN, not a business EIN. The loan is in your name, not your company's.

Question 2

Do ITIN loans have higher interest rates than conventional loans?

Accepted Answer

Yes, expect rates 1-2% higher as of February 2026. You're paying for the added risk lenders take on non-QM products.

Question 3

Can I use rental income from properties abroad to qualify?

Accepted Answer

Some lenders accept foreign rental income if it's reported on your ITIN tax returns. Provide lease agreements and bank records showing payments.

Question 4

What if I don't have two years of ITIN tax returns yet?

Accepted Answer

You won't qualify for an ITIN loan. Look at foreign national loans or wait until you've filed a second year.

Question 5

Do ITIN loans require private mortgage insurance?

Accepted Answer

No, these are non-QM loans without PMI. Your rate adjusts based on down payment size instead.

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