Loading
ITIN Loans
Home Financing with Individual Tax ID Number
Updated: February 2026
Reviewed: February 2026 by Sebastian Naranjo, NMLS #2313958
At SRK CAPITAL, we believe home ownership should be accessible to everyone. If you don't have a Social Security Number (SSN) but have an Individual Taxpayer Identification Number (ITIN), ITIN Loans can help. This program helps individuals without an SSN secure mortgage financing, making the dream of owning a home a reality.
An ITIN is a tax processing number issued by the Internal Revenue Service (IRS). They are issued to individuals who aren't eligible for an SSN and are used for filing tax returns. They also can serve as identification for financial transactions, including applying for a mortgage.
Who Needs an ITIN?
ITINs are issued to:
Non-resident aliens.
Resident aliens who aren't eligible for an SSN.
Dependents or spouses of U.S. citizens or resident aliens.
Individuals that need to file a federal tax return but who don't have an SSN.
Understanding ITIN Loans
ITIN loans are mortgage products are for borrowers without an SSN. They allow individuals with an ITIN to apply for home financing. These loans open doors to home ownership for those that otherwise would not qualify for a conforming loan.
Benefits of ITIN Loans
Access to Home Ownership
ITIN loans offer a pathway to owning a home for those without an SSN.
Credit Building
Regular mortgage payments can help build your credit history in the U.S.
Flexible Requirements
Lenders can consider non-traditional credit histories, like utility bills or rent payments, to assess creditworthiness.
Eligibility Criteria
To qualify for an ITIN loan, you'll typically need:
Valid ITIN
A current and valid ITIN issued by the IRS.
Proof of Income
Documentation like tax returns, pay stubs, or bank statements to verify income.
Credit History
Most lenders need a traditional credit report. But, some accept different credit references. Speak with a SRK CAPITAL team member to learn what options are available.
Down Payment
A down payment, often ranging from 10% to 20%, depending on the lender.
Employment History
Stable employment history, usually for at least two years.
How to Apply for an ITIN Loan
1
Consultation
Contact SRK CAPITAL to discuss your eligibility and loan choices.
2
Gather Documentation
Collect necessary documents, including your ITIN, proof of income, and credit references.
3
Pre-Approval
Finish your online application for a pre-approval to know your borrowing ability.
4
Home Search
Start looking for a home within your approved budget.
5
Loan Processing
Once you've found a home, we'll work on getting your loan approved.
6
Closing
After approval, we'll finish the loan, and you'll become a home owner.
Why Choose SRK CAPITAL?
At SRK CAPITAL, we specialize in providing mortgage solutions tailored to diverse needs. Our loan programs help make home ownership accessible. We offer:
Personalized Service
We work closely with you to understand your unique situation.
Expert Guidance
Our team guides you through every step of the process.
Flexible Options
We offer loan terms and structures to fit your needs.
Common Questions About ITIN Loans
Get Started Today
Ready to explore your loan options? Contact SRK CAPITAL today to schedule a free consultation. Our team is here to help you navigate the path to home ownership with an ITIN loan. The path to a new home is just a call away!
More Types of Mortgages Options
Financial Disclosure
The information provided on this page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates and terms are subject to change and may vary based on your individual financial situation. Please consult with a licensed mortgage professional at SRK CAPITAL for personalized guidance.