Who Offers ITIN Mortgage Programs
Many mainstream mortgage lenders do not clearly advertise ITIN loan options, and ITIN borrowers may not qualify for standard conventional or FHA loans without an SSN or eligible immigration status. However, some national lenders, nonbank mortgage companies, and portfolio lenders do offer ITIN or non-QM mortgage programs. Rules vary by lender, program, and state — always confirm directly with the lender.
The lenders below offer ITIN loan programs as of 2026. All have NMLS licenses you can confirm at nmlsconsumeraccess.org.
Always ask directly
Even at lenders known to offer ITIN programs, not every loan officer handles them regularly. When you call, say: "I have an ITIN and no Social Security Number — do you offer ITIN mortgage loans?" If they hesitate or seem unfamiliar, ask for a loan officer who specializes in ITIN or non-QM products.
ITIN Mortgage Lenders (2026)
New American Funding
Best for flexible lending optionsNew American Funding is a large national lender with a strong track record of working with borrowers who have nontraditional credit histories — including ITIN holders. They accept alternative documentation and have loan officers experienced specifically with ITIN applications.
Their minimum credit score requirement is 580, lower than most lenders on this list, which makes them a strong option for borrowers still building credit.
Carrington Mortgage Services
Best for nontraditional credit historiesCarrington is a nonbank lender with a dedicated non-QM division that lists ITIN loans among its specialty products. They accept alternative income documentation and have flexible credit requirements. Carrington services loans nationwide and in Puerto Rico.
They are experienced with borrowers who don't fit the conventional mold: self-employed income, limited U.S. credit history, and ITIN in place of SSN.
Guild Mortgage
Best for nontraditional credit historiesGuild Mortgage is a strong option for borrowers with nontraditional credit histories — a category that includes many ITIN borrowers who don't have a U.S. credit score. They offer ITIN loan programs with a 620 minimum credit score requirement, or alternative credit for those without a score.
loanDepot
Best for streamlined processloanDepot is one of the largest non-bank mortgage lenders in the U.S. and offers ITIN loan programs with a streamlined digital application process. They have physical locations across the country as well as an online process, which can make it easier to work with a loan officer in person if you prefer face-to-face guidance.
CrossCountry Mortgage
Best for fast closingCrossCountry Mortgage offers ITIN loan programs and is recognized for faster-than-average closing times. They have a large network of local loan officers across most states, which means you can typically find someone nearby who handles ITIN applications regularly.
What to Compare Across Lenders
Never accept the first offer. ITIN mortgage rates and fees vary more than conventional loans because each lender sets their own rules. Here's what to look at when comparing:
| What to Compare | What to Look For |
|---|---|
| Interest rate (APR) | A legitimate ITIN rate should be ~1–3% above the current conventional 30-year rate. Anything 5%+ above conventional is a red flag. |
| Down payment required | Most programs require 10%–20%. Some CDFIs and credit unions go as low as 3.5%–10%. Be wary of any lender requiring 30%+ without explanation. |
| Loan origination fee | Typically 0.5%–2% of the loan amount. Above 3% is excessive. |
| Prepayment penalty | Avoid loans with prepayment penalties if possible — they lock you in and cost money if you refinance or sell. |
| Income documentation accepted | 2 years of tax returns is standard. Bank statement programs are also common. Verify what the lender accepts before applying. |
| Credit requirement | Some lenders require a 620–660 minimum credit score. Others accept alternative credit. Know what they need before pulling your credit. |
| Loan-to-value (LTV) limit | Determines the maximum loan amount relative to the home's appraised value. Affects how much you can borrow. |
How to Spot Predatory Lenders
Because ITIN borrowers have fewer options, some lenders exploit that limited competition. Here's what to watch for:
- Rates 5–8% above conventional — A legitimate ITIN loan runs 1–3% above conventional. Anything significantly higher means you're being overcharged.
- Pressure to decide immediately — Legitimate lenders give you time to review and compare. Anyone rushing you is a red flag.
- High origination fees — More than 3% of the loan in origination fees is excessive.
- Balloon payments — Some predatory loans look affordable monthly but have a large "balloon" payment due after 5–7 years. Read the loan term carefully.
- Unlicensed lenders — Verify the lender is licensed in your state at the NMLS Consumer Access website (nmlsconsumeraccess.org). Unlicensed lending is illegal.
- Loan flipping — Being pressured to refinance repeatedly, generating fees each time, is a classic predatory tactic.
⚠️ Use a HUD housing counselor
Before signing any mortgage, you can get a free loan review from a HUD-approved housing counselor. They are trained to spot problematic terms and will review your loan documents at no cost to you. Find one at hud.gov/counseling or call 1-800-569-4287. This service is free and available in Spanish.
How to Find an ITIN Lender — Step by Step
- 1Contact 2–3 lenders from the list above. New American Funding, Carrington, Guild Mortgage, loanDepot, and CrossCountry all offer ITIN programs. Call or apply online and say specifically: "I have an ITIN and no SSN — do you offer ITIN mortgage loans?"
- 2Verify each lender's license. Confirm they are licensed in your state at nmlsconsumeraccess.org before sharing personal information. The NMLS numbers for each lender are listed in the cards above.
- 3Get pre-qualification from at least 2 lenders. Pre-qualification gives you a rate estimate without a hard credit pull. Compare the APR, down payment requirement, and fees side by side — not just the monthly payment.
- 4Get a free HUD housing counselor review. A HUD-approved counselor can review any loan offer at no cost and flag problematic terms before you sign. Find one at hud.gov/counseling or call 1-800-569-4287.
- 5Submit your application to the best offer. You'll need your ITIN, 2 years of tax returns, 12–24 months of bank statements, proof of income, and proof of address.