ITIN LOANS
U.S. Real Estate Financing.
No Social Security Number Required.
Up to $3M, 80% LTV, closing in as little as 7–14 days. Qualify with your ITIN — no SSN required.
No SSN. No problem. Your ITIN is enough to invest in U.S. real estate.
No SSN Required
Up to 80% LTV
Close in as little as 7–14 days
Most deals are pre-screened within 24 hours. No credit pull, no obligation.
NO SSN REQUIRED
SUBMIT YOUR DEAL
Already working on a deal? Don't wait on bank approvals. We'll tell you in 24 hours if it works.
Direct access to multiple non-QM lenders
Closings in as little as 3–4 weeks
Loan sizes from $100K to $5M
NMLS #1855083
Why ITIN Loans
ITIN
No SSN Required
Qualify using your IRS-issued ITIN instead of a Social Security Number.
80%
Maximum LTV
Up to 80% on purchase, 75% on refinance. Cash-out also available.
7–14
Day Close
Fast closings designed for ITIN borrowers ready to move.
$3M
Maximum Loan
Loans from $100K to $3M+. Single property to growing portfolio.
ITIN Loan Highlights
| Loan Amount | $100,000 – $3,000,000+ |
| Loan Purpose | Purchase, Cash-Out, Rate/Term Refi |
| Property Types | 1–4 Unit, 5+ Unit, Mixed-Use, Commercial |
| Maximum LTV | Up to 80% (Purchase) / 75% (Refi) |
| ITIN Required | Yes — SSN not required |
| Credit | U.S. credit not required — case-by-case |
| Borrower | ITIN Holders, Non-U.S. Residents Eligible |
| Documentation | ITIN, Passport / ID, Income or Asset Docs |
| Interest Only | Available |
| Closing Time | 7–14 Days |
Guidelines subject to change. Contact us for full program details.
How We Underwrite
What Qualifies You
- Valid ITIN issued by the IRS
- Passport or government-issued ID
- Down payment & reserves
- Income or property cash flow
What We Ignore
- Social Security Number
- U.S. credit score requirements
- U.S. employment history
- Citizenship or residency status
Who This Is For
ITIN Holder Buying Investment Property
Use your IRS ITIN to qualify for U.S. real estate financing without an SSN.
Cash-Out on Existing Property
Pull equity from a property you already own — ITIN qualifying, no SSN.
ITIN Portfolio Refinance
Restructure debt across multiple U.S. properties on a single ITIN program.
First-Time U.S. Investor
Building U.S. wealth through real estate. ITIN is the path in — no SSN required.
How It Works
1
Submit Deal
Tell us the address, loan amount, and purpose. 60 seconds.
2
We Review
We pre-screen your scenario against multiple non-QM lenders within 24 hours.
3
Get Approved
Term sheet within 3–5 business days.
4
Close
Funded in as little as 7–14 days. Start growing your portfolio.
Most deals are pre-screened within 24 hours.
Invest in U.S. Real Estate With Your ITIN.
No SSN required. Close in as little as 7–14 days.
Ready to Submit Your Deal?
Get pre-screened terms in 24 hours. No credit pull, no obligation.
Related financing paths
An ITIN is one of several ways investors qualify without conventional income documentation. Borrowers who are non-residents rather than ITIN holders typically fit our foreign national mortgage program instead, while those buying rental property often qualify on the property’s own cash flow through a DSCR loan. Self-employed borrowers with U.S. tax identification sometimes find a bank statement loan the cleaner fit.