ITIN LOANS · 11 STATES
You file taxes and pay your bills. An ITIN loan lets you qualify with your Individual Taxpayer Identification Number. Duane compares lenders across the 11 states where I am licensed.
Licensed in 11 states
Compare many lenders
No-pressure advice
WHAT IT IS
An ITIN is issued by the IRS to people who file taxes but do not have a Social Security number. Some lenders offer mortgage programs that accept an ITIN in its place.
These are Non-QM programs. Down payment, rates and documents differ from agency loans and vary by lender. I compare options so you can see the real trade-offs.
Qualify with your ITIN instead of a Social Security number on programs that allow it.
If you have little or no U.S. credit score, some lenders accept alternative history such as rent, utilities and insurance payments.
Tax returns, bank statements or other documents, depending on how you are paid.
Many programs focus on primary residences. Some also cover second homes and investment properties.
HOW IT WORKS
01
Share your income type, savings and the home price range you have in mind.
02
I compare lenders that accept ITINs and outline the down payment and rate differences.
03
Typical items include your ITIN letter, tax returns or bank statements, ID and proof of funds.
04
Appraisal, underwriting and closing follow, with clear updates along the way.
LOCAL KNOW-HOW
Program availability can vary by state and by lender. I check what is offered where your property is located.
Virginia
Many Virginia households include taxpayers who use ITINs. I help you see which lenders will work with your file.
Tennessee
Tennessee buyers with ITINs can compare programs. Availability varies, so I check what is offered for your property.
Georgia
Metro Atlanta has a large community of ITIN taxpayers. I look for programs that fit your income and down payment.
FAQ
Not for ITIN programs. You need a valid ITIN and the documents the lender requests.
Often more than agency loans. It varies by lender and by the strength of your file.
Not always. Some lenders accept alternative credit history, but requirements vary.
EXPLORE MORE
NEXT STEP
Ask me anything. There is no obligation.
Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.
