ITIN mortgages

You can buy a home with an ITIN. The loans come from non-QM lenders rather than Fannie Mae, Freddie Mac or FHA.

What to expect

Down payments usually from 10% to 20% or more
Rates higher than conventional loans
Two years of tax returns filed with your ITIN
Credit history, or alternative credit such as rent and utility payments

Filing matters

Lenders want to see returns filed on time under your ITIN. If you haven't filed, or your ITIN has expired, start there. We handle ITIN applications and back filings as CPAs, so you can fix both under one roof.

Reviewed by Mustafa Temiz, CPA, NMLS #2450795 · Updated November 2026

Talk to someone who reads tax returns for a living

A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.

Apply now or call (949) 624-4500