ITIN home loans
Yes, you may be able to buy a home with an ITIN
Many hard-working families in the Inland Empire file taxes with an Individual Taxpayer Identification Number (ITIN) and assume homeownership is out of reach. It often isn’t. Jorge explains how ITIN mortgages work and connects you with lenders who offer them.
Talk to Jorge about ITIN options
Confidential, no-pressure conversation, in Spanish or English.
What is an ITIN mortgage?
An ITIN mortgage is a home loan for borrowers who don’t have a Social Security number but do have an ITIN issued by the IRS. These loans are offered by specific banks, credit unions and lenders as non-QM (non-qualified mortgage) or portfolio loans, rather than through FHA or other government programs.
Because they fall outside the standard loan programs, ITIN loans usually require a larger down payment and carry higher interest rates than conventional loans. Terms vary widely from lender to lender, which is exactly why working with an agent who knows this market matters.
What lenders typically look for
A valid ITIN
Issued by the IRS, along with government-issued photo ID such as a passport or consular ID.
Tax returns
Usually the last two years of tax returns filed with your ITIN, showing steady income.
Down payment & reserves
Often a larger down payment than standard loans, plus savings documented in a bank account.
Credit history
A credit score, or alternative credit such as rent, utility and phone payment history, depending on the lender.
How Jorge helps ITIN buyers
Private consultation
Talk through your goals, income, savings and timeline, in Spanish, with no judgment and no pressure.
The right lender
Jorge introduces you to lenders who actively offer ITIN loans, so you can compare real terms.
A home that fits
Search for homes that match your approved budget, in the areas that work for your family.
A clear, safe closing
Every document explained, every step protected, until the keys are in your hand.
Protect yourself from scams
- Never wire money based on an email or text without calling your escrow officer at a number you already know.
- Be careful with “notarios” or anyone who promises guaranteed approval for a fee.
- A legitimate lender gives you a written Loan Estimate. Read it, and ask Jorge to review it with you.
Reviews
What clients say about working with Jorge
“Jorge made buying our first home incredibly easy. He explained everything to us in Spanish and we never felt lost.”
“His knowledge of the investment market is impressive. Thanks to Jorge, I found a property that has already produced excellent returns.”
“Jorge negotiated a much better price than we expected and was always available for our questions.”
Learn more
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FAQ
Frequently asked questions
Can I get a mortgage without a Social Security number?
In many cases, yes. Some lenders offer ITIN mortgage programs for borrowers who file taxes with an ITIN. Approval depends on your income documentation, credit, down payment and the lender’s guidelines, so it’s best to talk with a lender who specializes in these loans.
How much down payment do I need for an ITIN loan?
It varies by lender and by your overall profile, but ITIN loans generally require more money down than FHA or low down payment conventional loans. A lender can tell you the exact amount once they review your documents.
Can I use FHA or down payment assistance with an ITIN?
Government-backed loans such as FHA generally aren’t available to ITIN borrowers, and many assistance programs have their own eligibility rules. A specialized lender can tell you what applies to your situation.
Is my information kept private?
Jorge treats every conversation confidentially. Lenders are required to protect your personal financial information. Jorge does not give immigration or legal advice; if you have questions about your status, please consult a qualified attorney.
Can my family buy the house with me?
Often, yes. Depending on the lender, family members may be able to apply together or contribute gift funds toward the down payment. Jorge can walk you through the options lenders typically allow.
General information only. Not legal, tax, immigration or lending advice. Loan availability, terms and requirements vary by lender and change over time; approval is never guaranteed. Consult a licensed lender and, where appropriate, a qualified attorney or tax professional.
Ready to make your next move?
Talk to Jorge directly — no call centers, no pressure. 20+ years of experience, in English or Spanish.