Programs for Every Situation
ITIN Loan Program
You don't need a Social Security Number to qualify for a home loan.
Programs for Every Situation
What Is an ITIN Loan?
An ITIN loan allows you to qualify for a mortgage using an Individual Taxpayer Identification Number instead of a Social Security Number. It’s designed for people who work, pay taxes, and want to buy a home in the U.S., but don’t have the standard documentation most lenders require. Instead, this program looks at alternative ways to verify your identity and your ability to repay the loan.
Why Buyers Use It
- Qualify for a mortgage without a Social Security Number
- Use a valid ITIN as your form of identification
- Flexible income documentation options for those who don't fit the traditional mold
- A real path to homeownership, not just renting
Is This Right for You?
This program is built for buyers who have a valid ITIN but not a Social Security Number. Every situation is different — your work history, income documentation, and down payment will all factor into what you qualify for. A loan officer can walk you through exactly what you’ll need and what the process looks like for you.
Frequently Asked Questions
What is an ITIN?
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to people who need to file taxes but don’t have a Social Security Number. It’s used in place of an SSN for this loan program.
Do I need a Social Security Number at any point in the process?
No — a valid, unexpired ITIN card or IRS ITIN letter is used instead. A loan officer can confirm exactly what documentation you’ll need.
What documents will I need to provide?
Requirements vary by situation, but generally include proof of identity, income documentation, and your valid ITIN. A loan officer can give you a complete list based on your situation.
Can I use this program for any type of home?
A loan officer can walk you through which property types and situations this program supports based on your specific goals.
Start Your Path to Homeownership
Every borrower’s situation is different, and an experienced loan officer can walk you through exactly what you qualify for. Reach out to a MegaStar loan officer to get started.
