ITIN Loans: Buy a Home with 10% Down — No Social Security Required
ITIN loans allow borrowers with an ITIN to buy a home with as little as 10% down.
Frequently Asked Questions
Can I buy a house with an ITIN and no Social Security Number?
Yes. ITIN loans are Non-QM programs that allow you to purchase a home in the U.S. using an ITIN instead of a Social Security Number, with down payments as low as 10%.
How much down payment do I need for an ITIN loan?
Most ITIN loan programs require a minimum down payment of 10% of the purchase price. Some lenders may require 15% or 20% depending on your credit profile and the property type.
What credit score do I need for an ITIN loan?
Most lenders require a minimum credit score of 660 for ITIN loans. Some programs accept lower scores with a larger down payment.
Can I use bank statements to qualify for an ITIN loan?
Yes. Many ITIN loan programs allow you to verify income using 12–24 months of bank statements instead of tax returns, which is ideal for self-employed borrowers.
Related Programs
- FHA Loans — 3.5% down payment, credit scores from 580, ideal for first-time home buyers
- VA Loans — Zero down payment for veterans, active-duty military, and surviving spouses
- Conventional Loans — Fannie Mae and Freddie Mac, financing up to 97%, credit from 620
- Jumbo Loans — For properties exceeding 2026 conforming loan limits ($832,750 most counties)
- Non-QM Loans — Bank statement loans for self-employed, 1099 income, DSCR, and ITIN loans