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ITIN home loans · Portfolio program

ITIN Mortgage 2026: Home Loans for Borrowers Who File Taxes With an ITIN

Buy or refinance a home using an IRS-issued Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. Portfolio / Non-QM programs from participating lenders, tailored for hardworking families who file U.S. taxes. Originated by Simply Approved Mortgages (Company NMLS# 2620881).

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Quick answerSummary
  • ✓Portfolio / Non-QM loan for borrowers filing U.S. taxes with an IRS-issued ITIN
  • ✓Two years of tax returns filed under the ITIN are typically required
  • ✓Down payment commonly 10%–20% on a primary residence, varies by lender
  • ✓Alternate credit (rent, utility, phone, insurance) accepted by many lenders when no traditional FICO exists
  • ✓Rates typically higher than agency loans because ITIN loans are Non-QM portfolio products
  • ✓Fair-lending protected — ECOA / Regulation B prohibits discrimination on protected characteristics
  • ✓Track your credit at MyITINCredit.com before applying
SA

Written by

Simply Approved Mortgages Team

Licensed Loan Officers · NMLS# 2620881

12 min read·Independently researched · No paid product placement
Free with your request

Get your ITIN Mortgage 2026 scenario summary

Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: an estimated payment breakdown, estimated cash to close, the loan structures that may fit your file, and the documentation underwriting will ask for.

  • Estimated monthly payment with taxes and insurance
  • Estimated cash to close for your scenario
  • Loan structures your profile may fit
  • Document checklist for your file
Get my summary

Takes about 3 minutes · Summary shown on screen and emailed to you

Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.

Scenario summary

Purchase price entered
$412,000
Down payment entered
$20,600
Estimated loan amount
$391,400
Estimated cash to close
$14,300
Programs reviewed
4

Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.

Free · No obligation · Personalized guidance

Start your ITIN mortgage pre-approval — under 2 minutes

Home loans for borrowers without a Social Security Number, using an ITIN. We'll show your green/yellow/red decision instantly.

~2 minutes Clear next steps from a real loan officer

Not a loan application, rate lock, or commitment to lend. Binding figures appear on your Loan Estimate.

ITIN Mortgage Eligibility Helper

Check your ITIN mortgage eligibility

ITIN mortgages let borrowers who file U.S. taxes with an Individual Taxpayer Identification Number qualify for a home loan without a Social Security Number. This helper checks the standard investor requirements — residency, tax filing, employment, and down payment.

yr
mo
yr
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Possible — a few gaps to close

  • IRS-issued ITIN (CP565 letter or ITIN card)
    Required — ITIN programs verify the ITIN with IRS records.
  • 2+ years of ITIN-filed federal tax returns
    Most ITIN investors require 24 months of tax filing history.
  • 12+ months of documented U.S. residency
    Utility bills / lease / U.S. bank statements. This is a residency test, not an immigration test.
  • 2+ years of employment or self-employment
    W-2, 1099, or self-employed with tax returns.
  • Down payment ≥ 15% (some investors 20–25%)
    ITIN LTV caps typically 80–85%. 90% possible on select programs.
  • Owner-occupied primary residence
    Most ITIN programs are primary-residence only. Investment ITIN is niche and priced higher.
  • 3+ credit trade lines (traditional or alternate)
    Alternate credit accepted: rent, utilities, phone, insurance — 12+ months of on-time history each.

Reviewing your credit report before applying is optional. You can pull it at MyITINCredit.com (a DBA of Simply Approved Corporation, the parent company of Simply Approved Mortgages LLC) — enrollment is never required to apply for or receive an ITIN mortgage with us.

Disclosure. Simply Approved Mortgages LLC (NMLS# 2620881). ITIN mortgage program parameters vary by investor and change over time; this tool reflects typical guidelines and is informational only. It is not a credit decision, loan approval, or commitment to lend. We do not consider immigration status in credit decisions (ECOA / Regulation B). Individual results vary. Binding figures appear on your Loan Estimate.

Next steps

See Today's Rates

Emailing your ITIN eligibility checker scenario opens our secure request form so a Simply Approved Mortgages Loan Officer can review those numbers. Estimates are illustrative and are not a quote, lock, offer, or commitment to lend.

What is an ITIN mortgage?

An ITIN mortgage is a home loan for borrowers who file U.S. federal income taxes using an Individual Taxpayer Identification Number (ITIN) — a nine-digit tax processing number issued by the Internal Revenue Service to individuals who are required to have a U.S. taxpayer identification number but are not eligible for a Social Security Number (see IRS ITIN program). Because agency programs (Fannie Mae, Freddie Mac, FHA, VA, USDA) generally require a Social Security Number, ITIN borrowers use portfolio or Non-QM products offered by participating lenders. Each participating lender publishes its own guidelines; there is no single national "ITIN loan" standard.

Who is eligible

  • An active ITIN issued by the IRS (renewed if the last-used tax year was more than three years ago per IRS rules).
  • Two years of U.S. tax returns filed under the ITIN at most lenders.
  • Two years of U.S. residency history.
  • Verifiable income — W-2, 1099, or self-employed business returns.
  • Valid foreign passport or consular ID (Matrícula Consular) for identity verification.
  • Some lenders require a traditional FICO; others accept alternate credit (3–4 non-traditional trade lines with 12–24 months of on-time payment history — rent, utility, phone, insurance).

Simply Approved Mortgages does not condition lending on immigration status beyond what each participating lender's program guidelines require. We follow ECOA (Regulation B) and Fair Housing Act rules on non-discrimination.

Down payment and pricing

Down-payment minimums vary by lender and scenario. Typical ranges:

  • Primary residence — 10%–20% down at most participating lenders.
  • Second home — 15%–25% down.
  • Investment property — 20%–30% down (some lenders qualify on DSCR / property cash flow rather than personal income).

ITIN rates are typically higher than conventional or FHA rates because these are portfolio / Non-QM products, not agency loans. Your Loan Estimate will disclose the APR, note rate, and total cost of credit. This is not a quote, lock, offer, or commitment to lend.

A representative ITIN program matrix

Dedicated ITIN programs for primary residences and second homes are typically structured like this:

  • Loan amounts from about $100,000 to $1,000,000 on a 15- or 30-year fixed, with no prepayment penalty.
  • LTV: 80% on purchase, rate-and-term, or debt consolidation and 70% on cash-out at 660–680 scores; 85% purchase / 75% cash-out at 720+. The 85% tier is narrow — purchase or rate-and-term only, primary residence only, maximum 45% DTI, at least three tradelines for 12 months or two for 24 months, and two years of uninterrupted employment.
  • No qualifying score is possible on some tiers: 80% max LTV, $750,000 max loan, with alternate credit supporting a 1x24 or 2x12 payment history. A single-bureau score generally requires a 700 minimum and drops LTV to 75%.
  • Property: two units, warrantable condos, and attached PUDs cap at 80% LTV; 3–4 units cap at 75%. Non-warrantable condos take a 5% LTV reduction, and Florida condos above 70% LTV require a full condo review. Properties with a vacant unit are not eligible to refinance.
  • DTI maximum 50%. Housing history 0x30 for the last 12 months. Bankruptcy, foreclosure, short sale, or deed-in-lieu needs 36 months of seasoning; forbearance, modification, or deferral needs 12.
  • Reserves: three months below 80% LTV; above 80% LTV they scale with score — roughly 12 months at 700, 9 at 720, 6 at 740, and 3 at 760+. Second homes add two months.
  • Cash in hand is capped around $500,000 below 65% LTV and $250,000 above it. Seller contributions up to 6%. Gift funds allowed after a 5% contribution from the borrower's own funds, and gifts cannot count as reserves.
  • Income may be documented with W-2s, a WVOE, 12 months of personal or business bank statements, a CPA/EA-prepared P&L, one year of tax returns, 1099s, or asset utilization (minimum $1,000,000 in eligible assets or 150% of the loan balance, divided over 60 months).
  • ITIN documentation: current tax transcripts validating ITIN status, or on alt-doc files an IRS letter dated within three years, a fully executed W-7 including the agent's signature, or a tax-preparer letter confirming the most recent return was filed.

Investment occupancy is not eligible on this program, and federal, state, or local high-cost loans are not permitted. Terms vary by investor and by state, and Simply Approved Mortgages is licensed in a limited number of states.

Alternate credit and MyITINCredit.com

Many ITIN borrowers have no traditional FICO score because they have not used SSN-linked credit accounts. Most participating lenders allow alternate credit: 3–4 non-traditional trade lines, each showing at least 12 months (often 24 months) of on-time payments. Common alternate trade lines include rent (with landlord verification), utilities, cell phone, auto insurance, and internet.

To see your credit profile before you apply, use MyITINCredit.com — a service designed for ITIN borrowers. MyITINCredit.com is a service operated by Simply Approved Corporation (a DBA of that entity), which is the parent company of Simply Approved Mortgages LLC. Enrollment is optional and is not required to apply for or obtain a mortgage with us.

Fair lending and non-discrimination

The Equal Credit Opportunity Act (ECOA) and the Fair Housing Act prohibit discrimination in mortgage lending based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or exercise of consumer credit protections. Participating ITIN lenders — and Simply Approved Mortgages as your loan originator — must comply with these federal fair-lending laws. If you believe you have been discriminated against, you may file a complaint with the CFPB or HUD.

How to get an ITIN mortgage with Simply Approved Mortgages

  1. 1

    Confirm your ITIN and tax filings

    Send us your IRS ITIN assignment letter and the last two years of tax returns filed under the ITIN.
  2. 2

    Pull your credit profile

    Use MyITINCredit.com to see what alternate credit references appear. We'll help interpret the results.
  3. 3

    Match to a participating lender

    We shop your file across multiple portfolio ITIN lenders and compare down payment, rate, reserves, and program overlays.
  4. 4

    Written pre-approval

    Full credit, income, and asset review with a written pre-approval letter you can hand to a real-estate agent.
  5. 5

    Property under contract

    Submit the fully executed purchase agreement and earnest money receipt.
  6. 6

    Appraisal, underwriting, and close

    Standard full-doc underwriting — the flexibility is around identity documentation and alternate credit, not around loan quality.
Expert Insight
The single biggest reason ITIN files stall is tax-return inconsistency. Because ITIN loans qualify on filed tax returns rather than pay stubs alone, lenders scrutinize any large income swings, unreimbursed expenses, and Schedule C write-downs. If you plan to buy in the next 12–24 months, work with a CPA to file returns that accurately reflect your income — not the lowest possible taxable income. Simply Approved Mortgages can review a tax return in advance and tell you what a lender will see.
Simply Approved Mortgages Team
Licensed Loan Officers • NMLS# 2620881

Want this applied to your own file?

A Simply Approved Mortgages Loan Officer reviews your credit, income, and property against current FHA guidelines and follows up with estimated figures. Educational only — not a quote, lock, offer, or commitment to lend.

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Key qualifying numbers

ITIN mortgage — max LTV, credit score & DTI at a glance

The four numbers most borrowers ask about first. Full underwriting matrix and citations are further down the page.

Max LTV

85%

Purchase primary residence with ITIN; 80% second home; 75% investment / cash-out. Investor-specific.

Min credit score

Alt credit OK

US FICO if available (typically 640+); otherwise 3–4 alt-credit trade lines (rent, utilities, insurance) for 12–24 months.

Max DTI

50%

Full income documentation (tax returns + W-2/1099) — or bank-statement variant available.

ID

ITIN + passport

Valid IRS-issued ITIN letter + unexpired passport or consular ID; 2 years US work history typical.

Guidelines subject to change; lender overlays may apply. Illustrative only — not a rate quote, lock, offer, or commitment to lend. A Simply Approved Mortgages Loan Officer confirms the numbers on your actual file.

Qualifications & requirements

ITIN mortgage qualifications: what you actually need to qualify

RequirementTypical standardNotes
IdentificationValid IRS-issued ITIN (not expired)The primary borrower must hold a valid ITIN and file U.S. taxes under it; a co-borrower may have an SSN. ITIN renewal is via IRS Form W-7.
Credit680 minimum FICO on a typical program; 700–720 on cash-out or second homeA U.S. credit report and at least two valid scores are generally required. Nontraditional-credit-only files are not accepted on the programs we broker.
Down payment20% minimum on a typical purchase (80% max LTV); 25% at lower credit tiersDocumented gift funds are commonly allowed toward down payment and closing costs.
Income documentationFull doc, or 12/24-month personal or business bank statements, or 1–2 years of 1099sSelf-employed borrowers usually use bank-statement or 1099 documentation.
Debt-to-income50% maximum on a typical program; 43–45% for first-time buyersFiles are manually underwritten — no automated underwriting shortcut.
Reserves3–6 months PITIA depending on LTV and occupancyFirst-time buyers and some visa-holding co-borrowers add 6 months of reserves.
OccupancyPrimary residence and 1-unit second homeInvestment properties and non-occupant co-borrowers are not eligible on these programs.
Loan amountRoughly $150,000 to $1,500,000Escrow accounts are required; escrow waivers are not permitted.
Term30-year fixedARMs and interest-only are not offered on the ITIN programs we broker.
Property type1–4 unit, warrantable and non-warrantable condo, PUDManufactured homes, co-ops, condotels, and rural/unique properties are ineligible; acreage limits apply.

ITIN mortgages are non-QM portfolio products — no single agency guideline governs them. Figures reflect typical wholesale ITIN program guidelines and vary by investor, state, and credit profile. Simply Approved Mortgages LLC arranges loans only where licensed. Individual results vary; not a commitment to lend.

What you can do with this loan

✓

Purchase a primary residence for an ITIN holder without Social Security Number

✓

Purchase a 1-unit second home for family use

✓

Refinance an existing ITIN loan into better terms

✓

Cash-out refinance (commonly capped near 60–65% LTV, with cash-back limits)

✓

Purchase a 2–4 unit primary residence with rental income supporting the loan

✓

Consolidate down payment gift funds from family members abroad (documented)

ITIN Mortgage: Pros and Cons

Pros of a ITIN mortgage

  • +Available to borrowers who file taxes with an IRS Individual Taxpayer Identification Number (ITIN) instead of an SSN
  • +Fully underwritten portfolio product — credit, income, assets, and appraisal all reviewed
  • +Primary residence and (at some lenders) second-home occupancy permitted
  • +No immigration-status question — lending decisions comply with ECOA (Regulation B) fair-lending rules
  • +Alternative credit tradelines commonly accepted when traditional credit is thin

Cons / trade-offs of a ITIN mortgage

  • −Rate typically higher than agency (FHA/VA/conventional) loans
  • −Larger down payment usually required (commonly 15–25%)
  • −Fewer participating lenders — less rate competition than agency products
  • −Portfolio loan limits and reserve requirements vary lender-to-lender
  • −Not currently eligible for Fannie Mae, Freddie Mac, FHA, or VA financing

See where you stand on these requirements

A Simply Approved Mortgages Loan Officer will review your credit, income, and reserves against real program guidelines — no obligation.

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Worked example

How this loan actually works — a full example

An ITIN borrower with 2 years of W-2 income and a 720 FICO score buys a $350,000 primary residence in Florida with 20% down on a 30-year fixed ITIN loan.

Inputs

Purchase price
$350,000
Down payment (20%)
$70,000
Loan amount
$280,000
Illustrative rate (30-yr fixed)
7.75% (typical ITIN premium)
Property taxes (Florida est.)
$385/mo
Homeowner's insurance
$220/mo

Calculation

  1. 1
    Principal & interest (30-yr @ 7.75%)
    ≈ $2,006 / month
  2. 2
    Taxes + insurance
    $605 / month
  3. 3
    Estimated total PITI
    ≈ $2,611 / month
  4. 4
    Mortgage insurance
    $0 — no PMI on this program
  5. 5
    Reserves required (est. 3 mo)
    ≈ $7,833
Outcome
Illustrative only. ITIN pricing runs higher than conforming due to portfolio-investor risk. Not a quote or commitment to lend.

Illustrative only — not a quote, lock, offer, or commitment to lend. Binding figures appear on your Loan Estimate.

ITIN mortgage scenarios

✓

W-2 family, two years of ITIN tax returns

Buys a $425,000 primary residence with 15% down using two years of paystubs and tax returns filed under an ITIN.

✓

Self-employed with 1099 income

Restaurant owner uses 2 years of business tax returns and a YTD P&L; documents alternate credit from rent, utility, and phone.

✓

Investor with rental cash flow

DSCR-style ITIN program qualifies on the property's rent, not personal income, with 25% down.

✓

Refinance to lower payment

ITIN borrower with 2 years of on-time payments refinances into a lower fixed-rate ITIN product.

Pricing snapshot

Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.

ITIN Mortgage Rates — Today's Options at a Glance

Four real options from today's wholesale pricing for one documented sample scenario per program — no form needed. Updated twice each business day, about 10 AM and 2 PM Eastern. Your own rate depends on your credit, down payment, property, state and lock date.

Live pricing tool

Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.

Live ITIN Mortgage Rates — Price Your ITIN Scenario

Enter your scenario to see live wholesale pricing for Florida and Colorado. Figures are illustrative and not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate.

Non-QM loan pricing tool

Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.

Bank statement, 1099, P&L and asset-based income options for self-employed borrowers. Every figure shown comes from our pricing provider for the scenario you enter — nothing is estimated.

Pricing shown is based on the scenario entered and wholesale pricing available at the time of the search. It is not a rate lock, loan approval, commitment to lend, or guarantee of terms. Rates and pricing change frequently and expire. Your actual rate, APR, payment, and costs depend on a complete application, verified credit and income, property and appraisal review, and lender underwriting approval. Binding figures appear on your Loan Estimate. Payment shown is principal and interest only and excludes taxes, insurance and mortgage insurance. Simply Approved Mortgages LLC · NMLS# 2620881 · Equal Housing Opportunity.

Live market pricing

Today's ITIN mortgage rates (2026)

ITIN mortgage pricing is quoted daily and depends on credit, loan amount, LTV/CLTV, occupancy, and lender program. Figures below are for education only — your binding rate and APR appear on your Loan Estimate.

  • ✓Portfolio pricing set by each ITIN-active lender — not tied to Fannie/Freddie pricing grids
  • ✓Typically priced above comparable conventional loans; exact spread varies by lender and program
  • ✓Fixed-rate and ARM options available depending on lender
  • ✓Down payment (commonly 15–25%), reserves, and DTI caps vary by lender
  • ✓Loan limits are lender-set — not tied to FHFA conforming limits
See Today's RatesStart My Approval

What affects your rate

  • ✓

    Credit score

    Higher middle FICO scores unlock lower base rates and better pricing tiers.

  • ✓

    Loan-to-value (LTV)

    Larger down payments or more equity generally price better.

  • ✓

    Loan amount

    Conforming, high-balance, and jumbo tiers each price differently.

  • ✓

    Occupancy & property type

    Primary residence, second home, and investment each have pricing adjustments.

  • ✓

    Market timing

    Rates move daily with MBS and Treasury markets; locking protects you from increases.

Rates and APRs shown are illustrative and change daily. Not a quote, lock, offer, or commitment to lend. Binding figures appear on your official Loan Estimate. Simply Approved Mortgages LLC, NMLS# 2620881. Equal Housing Opportunity.

ITIN Mortgage Payment Calculator

Estimate a full PITI payment on your ITIN mortgage with a plain-English breakdown of principal & interest, property taxes, homeowner's insurance, and HOA — plus a loan amortization summary. Illustrative only; your Loan Estimate will show the binding figures.

Estimate your payment
Home price$450,000
$
Down payment$45,000 (10.0%)
$
Interest rate6.25%
%
Loan term30 years
Credit tier (FICO)740-759
Property taxes (annual %)1.20%
%
Homeowner's insurance (annual)$1,650
$
HOA (monthly)$0
$
Principal & interest
$2,494
Taxes + insurance
$588
Loan amount
$405,000
Estimated monthly payment (PITI)
Illustrative — binding figures on your Loan Estimate
$3,082

Monthly payment breakdown

Principal & interest$2,494 · 81%
Property taxes (1.20%/yr)$450 · 15%
Homeowner's insurance$138 · 4%

Loan amortization summary (30-year term)

Total interest paid
$492,716
Total paid over term
$897,716
Year 1 · to interest
$25,178
Year 1 · to principal
$4,746

Assumes a fixed-rate 30-year loan held to maturity with no prepayments. Actual amortization varies with extra principal payments, escrow adjustments, PMI/MIP, and any rate resets on an ARM.

Free • No obligation

Use my estimate — see today's rates

We'll pre-fill your calculator numbers into the quote form below. A Simply Approved Mortgages Loan Officer will personally connect with you to walk through your scenario.

Home price$450,000
Down payment$45,000 (10.0%)
Loan amount$405,000
Rate / term6.25% · 30y
Credit tier740-759
Est. total PITI$3,082
See Today's Rates

Pre-approval is a soft check with no SSN and no hard credit pull. Not a loan approval or commitment to lend — binding figures appear on your federally required Loan Estimate.

Ready to move forward?

Turn these numbers into a real pre-approval

Continue on our secure application page. Your Simply Approved Mortgages Loan Officer will review your numbers and follow up within one business day.

Start My Approval →See Today's RatesOr call 877-813-7219

No obligation. Soft-pull options may be available.*

Wholesale advantage

Compare loan officer compensation on your mortgage quote

Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.

Simply Approved Mortgages compensation (1.5%)$4,500
Quote you entered (2.75%)$8,250

Compensation difference on this illustration: $3,750.

How lower compensation can help you

Room for a lower rate

When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.

Possible credits toward closing

Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.

More purchasing power

A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.

Wholesale, not retail

As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.

Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.

Get a second opinion on your Loan Estimate

Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.

Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.

Get Ready

Document Checklist for your ITIN Mortgage

Gathering these documents up front helps your Simply Approved Mortgages Loan Officer issue a stronger pre-approval and move your ITIN Mortgage to Clear-to-Close faster. Actual items required vary by scenario — your loan officer will confirm the final list.

Choose your income type

Only the income documents that apply to you are shown. Switch tabs if you have multiple income sources — your loan officer will confirm which apply.

W-2 / Employed Income

  • ✓Most recent 30 days of paystubs (all borrowers, all jobs)
  • ✓W-2s for the last 2 years (all employers)
  • ✓Two-year employment history with employer names, addresses, and dates
  • ✓Verification of Employment — written (WVOE) or electronic (EVOE through a third-party payroll service); your loan officer orders it with your signed authorization
  • ✓Employment reverification within 10 days before closing — verbal or electronic, required on every file
  • ✓Bonus / commission / overtime: 2-year history if used to qualify
  • ✓Recent job change: offer letter and first paystub after start date
  • ✓Retirees / fixed income: Social Security award letter, pension statements, 1099-R

Assets & Reserves

  • ✓Most recent 2 months of bank statements (all pages)
  • ✓Most recent quarterly statement for retirement / brokerage / 401(k)
  • ✓Gift funds: signed gift letter + donor bank statement + transfer proof
  • ✓Large deposit letters of explanation with source documentation

ITIN Identity & Residency

  • ✓ITIN assignment letter from the IRS
  • ✓Foreign passport or consular ID (Matrícula Consular)
  • ✓2 years of U.S. residency documentation
  • ✓Alternate credit references if no traditional credit score

Credit & Liabilities

  • ✓Written credit report authorization
  • ✓Letter of explanation for any late payments, collections, or inquiries
  • ✓Bankruptcy discharge papers or foreclosure documentation (if applicable)
  • ✓Child support / alimony order (if paying or receiving)
  • ✓Divorce decree / separation agreement (only if applicable)

Property & Purchase

  • ✓Fully executed purchase contract with all addenda
  • ✓Earnest money deposit receipt + source of funds
  • ✓Homeowners insurance quote (binder before closing)
  • ✓HOA / condo questionnaire and dues statement (if applicable)

Educational checklist only. Not a commitment to lend and not a complete list of conditions. Documentation requirements are governed by agency guidelines (Fannie Mae Selling Guide, FHA Handbook 4000.1 incl. Update 18 (August 12, 2026), VA Lender's Handbook, USDA HB-1-3555) and individual investor overlays. Your Simply Approved Mortgages Loan Officer will provide your specific document list based on your scenario.

Credit Documentation & Monitoring

Credit Reports and Credit Monitoring for your ITIN Mortgage

Credit is one of the four underwriting buckets every lender reviews — and one of the few you can actively improve before you apply. Monitoring your credit throughout the process helps you catch errors, fraud, and score changes early, which protects your approval timeline and your rate.

Step 1 · Lender Pull

Ordering Credit for Your Pre-Approval File

Once you sign your loan application (Form 1003) and disclosures, your Simply Approved Mortgages Loan Officer orders a tri-merge residential mortgage credit report (RMCR) from Equifax, Experian, and TransUnion. This is a hard inquiry, but FICO's model treats mortgage inquiries within a 45-day window as a single event, so shopping lenders during that window will not stack on your score.

  • What we need from you: signed borrower authorization, government-issued photo ID, Social Security number (or ITIN), and current address.
  • What the report shows underwriters: middle FICO score, open tradelines, minimum payments, late history, collections, public records, and recent inquiries.
  • How long it's valid: 120 days for conventional loans and for FHA/VA/USDA (HUD guidelines, VA Lender's Handbook Ch. 4). Older reports must be re-pulled before closing.
  • Rapid rescore: if a legitimate error is on your report, we can request a rapid rescore in 3–7 business days after you supply documentation from the creditor.
Pay for Your Credit Report →

This link redirects to our third-party credit vendor's payment portal. You pay the report fee directly so we can pull your tri-merge credit report for your pre-approval file. A credit pull is required for underwriting; this is not a commitment to lend.

Step 2 · Self-Check

Review and Monitor Your Credit at MyITINCredit.com

Before we pull your file, review and monitor your credit at MyITINCredit.com. Their $1 promotional trial gives you tri-bureau visibility plus ongoing credit monitoring so you can catch changes, disputes, or new accounts as they appear — not after they've already delayed your loan.

  • Verify accuracy: confirm names, addresses, SSN/ITIN, and every open account belong to you.
  • Dispute errors: the Fair Credit Reporting Act gives you the right to dispute inaccurate items directly with the bureau — no charge.
  • Address collections and charge-offs: a settled or paid collection can be documented in advance so it does not stall underwriting.
  • Pay down utilization: credit-card balances reported below 30% of the limit typically produce the strongest scores.
  • Avoid new credit: do not open new cards, finance a car, or co-sign for anyone from now through closing.
  • Monitor continuously: credit monitoring alerts you to new inquiries, balance changes, and potential identity theft while your loan is in process.
Check & Monitor Your Credit at MyITINCredit.com →

MyITINCredit.com is a service operated by Simply Approved Corporation (a DBA of that entity), which is the parent company of Simply Approved Mortgages LLC. Simply Approved Mortgages may receive subscription revenue if you choose to enroll. Credit monitoring through MyITINCredit.com is optional and is not required to apply for or obtain a mortgage with us. Promotional pricing, trial terms, and monitoring features are set by MyITINCredit.com and subject to change.

Why credit monitoring matters during a mortgage — A single new collection, missed payment, or unauthorized inquiry can change your qualifying score or trigger additional underwriting conditions. Typical minimum scores* — Conventional 620, FHA 580 (3.5% down) or 500 (10% down), VA no HUD minimum (most lenders 580–620), USDA typically 640, Jumbo 680–740, Doctor Mortgage 680–700+, Non-QM/DSCR varies by program, ITIN 620–680 alternative credit. Investor and lender overlays apply; individual results vary. Not a commitment to lend.

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These independent government resources can help you research mortgage programs, rates, and your rights before you apply.

Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.

FAQs reviewed by Simply Approved Mortgages · November 2026

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Frequently Asked Questions About ITIN Mortgage 2026

Answers to the most common about ITIN mortgage 2026 questions, written by licensed loan officers.

An ITIN mortgage is a home loan for borrowers who file U.S. federal income taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. ITIN loans are portfolio / Non-QM products offered by participating lenders. They are not agency loans (Fannie Mae, Freddie Mac, FHA, VA, USDA generally require an SSN), so terms, LTV, rates, and reserves vary by lender.
Ask Sam AI

Ask SAM anything about mortgages

SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.

Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.

SAM is an AI assistant — not a licensed loan officer, attorney, CPA or financial adviser. Answers are educational only, are not a quote, lock, offer or commitment to lend, and material loan terms must be reviewed by a Simply Approved Mortgages Loan Officer. Never share SSN/ITIN, date of birth, account numbers or passwords in chat. Residential mortgage loans are arranged in Florida and Colorado. Start My Approval.

Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.

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Preferred sources is a Google Search feature controlled entirely by you and by Google. Simply Approved Mortgages LLC (NMLS #2620881) does not control search results and makes no representation about how or whether our content will appear. Educational content only — not a quote, lock, offer, or commitment to lend.

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Where this fits in the credit, income and documentation library

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Guide

Purchase Mortgages — Complete Guide

All programs compared.

Read the guide →

Guide

Non-QM Loans

ITIN is one of several Non-QM programs.

Read the guide →

Guide

First-Time Buyer Guide

Down-payment help and the buying process.

Read the guide →

Guide

Pre-Approval

What we need to issue a written pre-approval.

Read the guide →

Guide

Document Checklist

What to gather for an ITIN application.

Read the guide →

Guide

Closing Costs Explained

Fees on every mortgage.

Read the guide →

By state and city

ITIN Home Loans by State, City, and County

County loan limits, property taxes, insurance costs, and market conditions change what this program looks like locally. Pick your market for the version written for it. Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado.

Florida

ITIN Home Loans in Florida

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Colorado

ITIN Home Loans in Colorado

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ITIN mortgage

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Encrypted connection (HTTPS) NMLS# 2620881 Equal Housing Opportunity

Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.

ITIN programs use alternate credit documentation and typically require 10–20% down.

What's your goal?
Purchase price$450,000
$
Down payment (10.0%)$45,000
$

A range is enough here — no credit report is pulled and your credit is not affected.

Estimated monthly payment at these numbers
$3,246

Illustrative estimate only — not a quote, rate lock, offer of credit, or commitment to lend.

Submitting this form is not an application for credit and is not a commitment to lend. No credit report is pulled at this step.

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Equal Housing OpportunityEqual Housing OpportunityMortgage Broker — Not a LenderNMLS ID# 2620881NMLS Consumer AccessFlorida Mortgage Broker License #MBR7685Colorado Mortgage Company Registration

Licensing & Disclosures

Simply Approved Mortgages LLC | NMLS #2620881

Florida Branch Office (Miami, FL) | Branch NMLS #2688012

Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration

Business Phone: (877) 813-7219

Equal Housing Opportunity

Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.

Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation when required, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, lender credits, fees, payments, terms, loan amounts, down-payment requirements, mortgage insurance, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, loan program, and state and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of approval, or guarantee of terms or closing.

Rates, payments and calculators. Rates, APRs, payments, down payments, loan amounts, home values, estimated equity, savings, affordability estimates, closing costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement. Applicable loan terms and disclosures will be provided as required for the particular transaction.

Mortgage products. FHA, VA, USDA, conventional, jumbo, non-QM, HELOC, reverse mortgage, down-payment-assistance, investment-property, DSCR, and other mortgage products referenced on this site are subject to their individual eligibility, underwriting, property, occupancy, and program requirements. Product availability varies by lender and jurisdiction. References to a mortgage product or program do not constitute a determination that a borrower or property qualifies.

Government-backed programs. Government-backed or government-insured mortgage programs referenced on this site may be subject to requirements established by the applicable government agency in addition to lender requirements. Government insurance or guaranties generally protect participating lenders against certain losses and do not constitute a guarantee of borrower approval.

Business-purpose products. DSCR, investment-property, and other business-purpose mortgage products referenced on this site are intended for qualifying business-purpose transactions. Business-purpose loans may be subject to different requirements and protections than consumer-purpose residential mortgage loans. Borrowers are responsible for accurately disclosing property occupancy and intended use.

Down payment assistance. Down payment or closing-cost assistance programs referenced on this site may be administered by governmental entities, housing finance agencies, nonprofit organizations, lenders, or other third parties. Program availability, funding, assistance amounts, eligibility requirements, repayment or forgiveness provisions, and other terms vary and may change or become unavailable without notice. Listing or referencing a program does not guarantee funding, eligibility, or mortgage approval.

Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, or any other federal, state, or local government agency. References to government agencies, programs, benefits, data, forms, or resources are provided for informational purposes and do not imply government sponsorship or endorsement of Simply Approved Mortgages LLC.

Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.

No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, investment, estate-planning, or individualized government-benefits advice. Consumers should consult appropriate qualified professionals regarding their individual circumstances.

Third-party content. References or links to government agencies, lenders, assistance programs, products, services, or other third-party websites are provided for informational purposes or convenience. Simply Approved Mortgages LLC does not control and is not responsible for third-party content, availability, accuracy, or privacy practices.

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