Beyond Financing, Inc.
(857) 410-1391

ITIN Mortgage Loans: Buying a Home Without a Social Security Number

If you work, pay taxes and file with an Individual Taxpayer Identification Number (ITIN), you may be able to buy a home in the United States. Beyond Financing, Inc. is a Saugus, Massachusetts mortgage company that helps ITIN borrowers find lenders who offer these programs, and we can guide you in English, Portuguese or Spanish.

What is an ITIN mortgage?

An ITIN mortgage is a home loan for borrowers who do not have a Social Security number but have an ITIN issued by the IRS. Because most conventional, FHA and VA loans require a Social Security number, ITIN loans are offered by specialized lenders as "non-QM" (non-qualified mortgage) programs. Beyond Financing works as a broker, so we compare options from more than one lender instead of offering a single bank's product.

Who ITIN loans are designed for

  • Workers and business owners who file U.S. taxes with an ITIN
  • Families who have rented for years and want to own
  • Self-employed borrowers, including contractors, cleaners, drivers and small business owners
  • Buyers of single-family homes, condos and, with some lenders, 2–4 family homes

What lenders typically look at

  • Your ITIN and identification – a valid ITIN letter and a government-issued photo ID (such as a passport)
  • Income history – usually tax returns filed with your ITIN, and/or bank statements for self-employed borrowers
  • Credit – a U.S. credit score if you have one; some lenders accept alternative credit such as rent and utility payment history
  • Down payment and reserves – ITIN programs generally require a larger down payment than FHA loans; the exact amount depends on the lender, the property and your profile

How the process works with Beyond Financing

  1. Free consultation – we review your income, documents and goals, in your language.
  2. Lender match – we compare ITIN programs from the wholesale lenders we work with.
  3. Pre-approval – you get a pre-approval letter to make offers with confidence.
  4. Closing – we coordinate with your real estate agent, the closing attorney and the lender through closing day.

Related: Bank statement loans for self-employed borrowers · Empréstimo ITIN em português

Frequently asked questions

Can I get a mortgage with an ITIN number in Massachusetts?

Yes. Some non-QM lenders offer mortgages to borrowers who have an ITIN instead of a Social Security number. Beyond Financing, Inc. (NMLS #2394496) in Saugus, MA helps ITIN borrowers compare these programs. Approval depends on income, credit, down payment and the property.

Do ITIN loans require a bigger down payment?

Usually, yes. ITIN programs are non-QM loans and typically require more down payment than FHA or conventional loans. The exact amount varies by lender, property type and borrower profile.

Can I use an ITIN loan if I am self-employed?

Yes. Many ITIN programs accept self-employed borrowers, qualifying income with tax returns or bank statements depending on the lender.

Does Beyond Financing help ITIN borrowers in Portuguese?

Yes. Founder Sandro Pansini Souza (NMLS #1625542) serves borrowers in Portuguese, Spanish and English.

Talk to a Beyond Financing loan officer: (857) 410-1391 · Apply now · Send us a message · Atendimento em português

Beyond Financing, Inc. | NMLS #2394496 | 999 Broadway, Suite 500-N, Saugus, MA 01906 | (857) 410-1391. Mortgage Broker only in CA, CT and MA; Mortgage Broker and Correspondent Lender in FL, NH, NC, RI, SC and TX. See our Licensing page and NMLS Consumer Access. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property approval, underwriting guidelines and program availability, and terms may change without notice. Not all applicants will qualify. Program availability varies by state.