Foreign Nationals & ITIN Borrowers

Buy property in the U.S. without a Social Security number or traditional credit.

If you’re looking to purchase property in the U.S. but don’t have a Social Security number or traditional documentation, you may still be eligible for mortgage financing. Programs for Foreign Nationals and ITIN (Individual Taxpayer Identification Number) borrowers are designed to make homeownership possible for those with alternative identification or international backgrounds. These programs offer flexible guidelines and a path to invest or live in the U.S. without needing a conventional credit profile.

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Foreign National & ITIN Loans Are Good For:

These programs are a great option for non-U.S. citizens, ITIN holders, and foreign nationals who want to buy a home in the U.S. They’re designed for people who may not have U.S. credit but still need a loan that fits their situation.

Foreign National & ITIN Loans Details

ITIN Loan Requirements +

Borrowers must have a valid ITIN, proof of income (such as tax returns or employment letters), and a qualifying down payment, typically 20 percent or more. Some lenders may request two years of filing history with the IRS using the ITIN.

Foreign National Loans +

These loans are geared toward non-residents purchasing investment or second homes in the U.S. Requirements may include an international credit report or credit reference letters, proof of income or assets, and a passport or visa.

Not the Loan You Were Looking For?

Secure Your Foreign National or ITIN Loan at One of Our Branches

You don’t have to be a U.S. citizen to buy a home here. Whether you’re investing from abroad or living in the U.S. with an ITIN, our team is here to help. We specialize in working with borrowers from diverse backgrounds and can guide you through every step of the process. Reach out today to speak with a local loan officer.

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