Millions of hardworking people live, work, and pay taxes in the United States using an ITIN — but most lenders require a Social Security number and turn them away. We don't. If you file taxes with an ITIN, you have a path to homeownership through FlexPoint.
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ITIN Loan Programs
ITIN loans work for buyers and existing homeowners alike. And because income situations vary, we accept multiple documentation types — not just W-2s.
What is an ITIN?
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS to people who are required to file U.S. taxes but are not eligible for a Social Security number. It is a 9-digit number that begins with the number 9. If you file U.S. taxes with an ITIN, you may be eligible for an ITIN home loan — regardless of immigration status.
ITIN Buyers
Buy your first home or next property using your ITIN. No Social Security number required. Multiple income documentation types accepted so your actual income situation is reflected fairly.
Existing ITIN Homeowners
Already own a home? Refinance to lower your rate or access your equity with a cash-out refinance. No SSN required — the same ITIN qualification applies.
Self-Employed ITIN Borrowers
Self-employed and filing with an ITIN? We combine the flexibility of bank statement income qualification with ITIN eligibility — giving self-employed ITIN borrowers a real path to homeownership.
Income Documentation
Income looks different for every ITIN borrower. We built this program to work with your real income situation — not just the one traditional lenders recognize.
Full Documentation
W-2s, tax returns filed with your ITIN, and pay stubs from a U.S. employer. The most straightforward path for ITIN borrowers with traditional employment.
Bank Statement Income
12 or 24 months of personal or business bank statements. Ideal for self-employed ITIN borrowers whose tax returns don't fully reflect their income.
1099 Income
Contractors and independent workers paid via 1099 can use 1 or 2 years of 1099s along with current-year earnings documentation.
Gift Funds for Down Payment
Down payment funds received as a gift from a family member or eligible donor are accepted. A standard gift letter documenting the source is required.
Foreign Income
Income earned outside the U.S. may be considered on a case-by-case basis with proper documentation. Speak with your loan officer about your specific situation.
Alternative Credit Documentation
Limited U.S. credit history? Rental payment history, utility payments, insurance records, and other recurring obligations can help demonstrate creditworthiness.
The Process
The ITIN loan process follows the same basic steps as any mortgage — with a few differences in documentation. Here's what to expect.
We review your ITIN, income documentation type, and homebuying goals. We'll tell you upfront whether you qualify and what documentation we'll need.
Your ITIN letter from the IRS, income documentation (W-2s, bank statements, or 1099s), and identification. We'll give you a complete list so nothing is missing.
Once we have your documentation and have pulled credit, most ITIN borrowers receive a pre-approval decision within one business day.
Shop with confidence. Your pre-approval letter shows sellers and agents that you're a qualified buyer — regardless of SSN status.
Standard closing process. Gift funds can cover your down payment. Closing costs can sometimes be negotiated into the purchase price.
We review your ITIN, income documentation type, and homebuying goals. We'll tell you upfront whether you qualify and what documentation we'll need.
Your ITIN letter from the IRS, income documentation (W-2s, bank statements, or 1099s), and identification. We'll give you a complete list so nothing is missing.
Once we have your documentation and have pulled credit, most ITIN borrowers receive a pre-approval decision within one business day.
Shop with confidence. Your pre-approval letter shows sellers and agents that you're a qualified buyer — regardless of SSN status.
Standard closing process. Gift funds can cover your down payment. Closing costs can sometimes be negotiated into the purchase price.
Who This Is For
This program exists because millions of people contribute to the U.S. economy every day — and deserve a fair path to owning the home they live in.
You File U.S. Taxes With an ITIN
If the IRS has issued you an ITIN and you file U.S. tax returns, you may be eligible for an ITIN home loan — regardless of immigration status.
You're a First-Time Buyer
No prior homeownership required. First-time buyers are welcome and gift funds can cover your entire down payment.
You're Self-Employed
Bank statement and 1099 income options mean self-employed ITIN borrowers don't have to rely solely on tax returns that understate their real earnings.
You Want Stability for Your Family
Owning your home provides security and stability that renting can't. Your ITIN is not a barrier here — it's a starting point.
You've Built U.S. Credit History
Credit cards, auto loans, or other accounts in your name help strengthen your application — but limited U.S. credit history can be addressed with alternative documentation.
You Own a Home and Want to Refinance
Already own your home but your current lender is requiring a SSN to refinance? We work with ITIN borrowers on refinances and cash-out transactions too.
The FlexPoint Difference
Nearly 30 years and over $5 billion funded. Here's what that experience means for your ITIN loan.
Takes less than 60 seconds. No credit pull. We will review your situation and follow up within 24 hours.
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions ITIN borrowers ask us most before getting started.
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Nearly 30 Years of Experience
In business since 1996 with over $5 billion in real estate loans funded.
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