ITIN Mortgage Loans for Non-U.S. Citizen Borrowers

 

Help more borrowers achieve homeownership with flexible financing solutions.

Many hardworking individuals live and work in the United States, pay taxes using an Individual Taxpayer Identification Number (ITIN), and have established income and credit, but they don't qualify for conventional financing because they do not have a Social Security Number.

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Our ITIN Loan Program gives mortgage brokers another way to serve this growing market while expanding their business. With flexible non-QM underwriting and alternative documentation options, you can provide financing solutions for qualified borrowers who may be turned away elsewhere.

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Whether your client is purchasing a primary residence or refinancing an existing mortgage, 5th Street Capital helps you serve an underserved borrower segment while growing your referral network and closing more loans.

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Ideal Borrowers for an ITIN Loan

 

Our ITIN Loan Program is designed for borrowers who:

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• Have a valid Individual Taxpayer Identification Number (ITIN)

• Live and work in the United States

• Have established U.S. credit

• May not qualify for conventional financing due to their residency or documentation status

• Are looking to purchase or refinance a home

 

This program allows you to provide financing solutions to responsible borrowers who have demonstrated the ability to earn income, establish credit, and meet their financial obligations.

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ITIN Loan Program Highlights

 

Our flexible guidelines help you finance more borrowers with confidence.

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• Financing available for qualified ITIN borrowers

• Purchase and refinance transactions available

• Alternative documentation options

• Flexible non-QM underwriting

• Competitive financing solutions for underserved borrowers

• Designed specifically for borrowers living and working in the United States

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Key Eligibility Requirements

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Qualified borrowers generally must provide:

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• Unexpired ITIN card or IRS issued letter verifying ITIN issuance and unexpired government photo ID (driver’s license, passport, visa, etc.).

• 2 year history of residing and working in the US

• Valid US FICO with minimum 2 scores

• 12 month housing history is required

• The PWE must meet minimum tradelines: 3 tradelines reporting for 12+ months with activity in the last 12 months or 2 tradelines reporting for 24+ months with activity in the last 12 months

• If the PWE has 3 credit scores, the minimum tradeline requirement is waived

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Why Mortgage Brokers Offer ITIN Loans

 

ITIN borrowers are one of the fastest-growing underserved markets in mortgage lending.

 

By adding ITIN financing to your product portfolio, you can:

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• Expand into a growing borrower segment.

• Strengthen relationships with Realtors serving immigrant communities.

• Capture transactions many lenders are unable to finance.

• Increase referral opportunities.

• Differentiate yourself from competitors.

• Close more loans with specialized non-QM solutions.

 

Helping qualified ITIN borrowers achieve homeownership isn't just good for your clients, it's good for your business.

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Common ITIN Scenarios We Can Help With

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• Borrower has an ITIN but no Social Security Number.

• Borrower has lived and worked in the U.S. for several years.

• Borrower has established U.S. credit.

• Borrower has steady employment or is self-employed.

• Borrower was declined for conventional financing due to documentation requirements.

• Borrower is purchasing their primary residence.

 

If any of these sound familiar, your borrower may be a strong candidate for our ITIN Loan Program. Contact your 5th Street Capital Account Executive to review the scenario before submitting.​​​