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Can I buy a house with an ITIN?

Short answer

Buying a house with an ITIN is possible, usually with an ITIN mortgage from a lender that makes them. FHA loans are out, because HUD requires a valid SSN for every FHA borrower. First National Bank of America, for example, asks for at least 15% down and accepts borrowers with no credit history.

Checked against 8 official sources
AT

By · Founder of ITIN Club

Updated

Which mortgages take an ITIN

LoanWith only an ITIN?Why
FHA loanNoHUD requires a valid SSN for every borrower
Conventional loanOnly with proof of legal statusFannie Mae accepts an ITIN plus verified legal presence, such as a work permit or green card
ITIN mortgageYesA non-QM or portfolio loan, with the lender's own rules on down payment and credit

Lenders that publish ITIN terms

LenderWhereKey terms
First National Bank of AmericaNationwide15% minimum down, or 20% with gift funds; borrowers with no credit can qualify
Angel Oak Mortgage SolutionsThrough brokers640 minimum score, up to 80% financing, primary homes only
HOPE Credit UnionAL, AR, LA, MS, TNUp to 95% financing on homes up to $250,000, 580 minimum score
Cobalt Credit UnionOmaha areaIRS ITIN letter and 2 years of tax returns

Get ready before you apply

  1. 1

    Keep your ITIN active

    Lenders want your tax returns. An ITIN expires if it isn't on a federal return for three years in a row.

  2. 2

    Build some credit

    Angel Oak and HOPE set a minimum score, so a few months of on-time card payments help. A secured card is one way to start.

  3. 3

    Collect your papers

    FNBA asks for an ITIN tax return, 12 months of income, your ITIN letter, a photo ID (matrícula accepted), 6 months of housing payments and 60 days of bank statements.

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ITIN lenders: how to get a loan or mortgage with an ITIN

Which lenders take an ITIN instead of an SSN for personal loans and home loans, what they ask for, typical down payments, and the offers to avoid.

Updated 6 min read

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Related questions

Sources

  1. Single Family Housing Policy Handbook 4000.1 — HUDhud.gov
  2. Fannie Mae Selling Guide: general borrower eligibilityselling-guide.fanniemae.com
  3. First National Bank of America: ITIN home loansfnba.com
  4. Angel Oak Mortgage Solutions: ITIN mortgageangeloakms.com
  5. HOPE Credit Union: ITIN loanshopecu.org
  6. Cobalt Credit Union: ITIN loanscobaltcu.com
  7. Regulation B, 12 CFR 1002.6 — eCFRecfr.gov
  8. Individual Taxpayer Identification Number — IRSirs.gov

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Ask members who've already done it, follow the first-year course step by step, and message other members directly. No SSN needed.

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