Quick Answer
ITIN mortgage programs are offered by portfolio lenders, community banks, and nonbank mortgage companies — major national banks generally do not. Down payment is usually 15–20%, and lenders typically require 2 years of tax returns and 12–24 months of bank statements. Verify any lender's NMLS license at nmlsconsumeraccess.org before applying.
Who Offers ITIN Mortgage Programs?
ITIN mortgage programs are offered by 3 types of lenders: nonbank mortgage companies, portfolio lenders, and community banks. With an estimated 14 million undocumented immigrants in the U.S. as of 2023, demand is substantial — yet mainstream lenders rarely advertise these programs, and ITIN borrowers cannot get standard conventional or FHA loans without an SSN.
The lenders below offer ITIN loan programs as of 2026. All have NMLS licenses you can confirm at nmlsconsumeraccess.org.
Always ask directly
Even at lenders known to offer ITIN programs, not every loan officer handles them regularly. When you call, say: "I have an ITIN and no Social Security Number — do you offer ITIN mortgage loans?" If they hesitate or seem unfamiliar, ask for a loan officer who specializes in ITIN or non-QM products.
Which Lenders Offer ITIN Mortgages in 2026?
Five lenders say on their own sites or in their own announcements that they offer ITIN mortgages in 2026: First National Bank of America, A&D Mortgage, Guild Mortgage, Carrington Mortgage Services and CrossCountry Mortgage. Published minimums run 15% to 20% down, and A&D lists a 660 credit score. Verify any lender's NMLS number before applying.
First National Bank of America (FNBA)
Best for no U.S. credit historyFNBA's ITIN home loan page says it requires a minimum 15% down payment and that borrowers with no credit are eligible. Gift funds can count toward the down payment.
A&D Mortgage
Best for established creditA&D's ITIN program asks for a valid ITIN card or IRS ITIN letter plus an unexpired government photo ID. It lends up to 80% of the home's value on a home you live in, so plan on about 20% down, and you contribute at least 5% from your own funds.
Guild Mortgage
Best for nationwide branchesGuild's ITIN Mortgage Program is for borrowers who hold an ITIN and live in the U.S. Guild requires at least 15% down, or 20% in California, Hawaii and Illinois, and the final amount depends on the appraisal.
Carrington Mortgage Services
Best for nontraditional incomeCarrington announced ITIN loans for its retail, wholesale and correspondent channels: you provide your ITIN and income documents in place of a Social Security number. Carrington doesn't publish ITIN down payment or credit minimums, so ask a loan officer for the current terms.
CrossCountry Mortgage
Best for local loan officersCrossCountry Mortgage loan officers list ITIN home loans among the programs they handle. CrossCountry doesn't publish ITIN-specific minimums; the 3% down payment it advertises applies to conventional loans, not ITIN loans.
What Should I Compare Across ITIN Lenders?
Compare at least 7 factors across ITIN lenders: interest rate, down payment, origination fee, prepayment penalty, income documentation, credit requirement, and loan-to-value limit. ITIN rates run above the conventional 30-year average (about 7.4% in mid-October 2026), and origination fees should stay under 3%. Never accept the first offer, since terms vary widely:
| What to Compare | What to Look For |
|---|---|
| Interest rate (APR) | ITIN rates run above the conventional 30-year rate. Get at least 2–3 ITIN quotes and compare their APRs against each other. |
| Down payment required | Most ITIN programs require 15%–20%; a few accept 10%. Be wary of any lender requiring 30%+ without explanation. |
| Loan origination fee | Typically 0.5%–2% of the loan amount. Above 3% is excessive. |
| Prepayment penalty | Avoid loans with prepayment penalties if possible — they lock you in and cost money if you refinance or sell. |
| Income documentation accepted | 2 years of tax returns is standard. Bank statement programs are also common. Verify what the lender accepts before applying. |
| Credit requirement | Some lenders require a 620–660 minimum credit score. Others accept alternative credit. Know what they need before pulling your credit. |
| Loan-to-value (LTV) limit | Determines the maximum loan amount relative to the home's appraised value. Affects how much you can borrow. |
How Do I Spot Predatory ITIN Mortgage Lenders?
Spot a predatory ITIN lender by its terms: a rate far above other ITIN quotes, demands for a 30%+ down payment without explanation, origination fees over 3%, or pressure to sign quickly. Because ITIN borrowers have fewer options, some lenders exploit that limited competition. Watch for these warning signs:
- A rate far above other ITIN quotes — Compare at least 2–3 ITIN lenders; a quote well above the others means you're being overcharged.
- Pressure to decide immediately — Legitimate lenders give you time to review and compare. Anyone rushing you is a red flag.
- High origination fees — More than 3% of the loan in origination fees is excessive.
- Balloon payments — Some predatory loans look affordable monthly but have a large "balloon" payment due after 5–7 years. Read the loan term carefully.
- Unlicensed lenders — Verify the lender is licensed in your state at the NMLS Consumer Access website. Unlicensed lending is illegal.
- Loan flipping — Being pressured to refinance repeatedly, generating fees each time, is a classic predatory tactic.
Use a HUD housing counselor
Before signing any mortgage, you can get a free loan review from a HUD-approved housing counselor. They are trained to spot problematic terms and will review your loan documents at no cost to you. Find one at hud.gov/counseling or call 1-800-569-4287. This service is free and available in Spanish.
How Do I Find an ITIN Lender Step by Step?
- Contact 2–3 lenders from the list above. FNBA, A&D Mortgage, Guild Mortgage, Carrington and CrossCountry all offer ITIN programs. Call or apply online and say specifically: "I have an ITIN and no SSN — do you offer ITIN mortgage loans?"
- Verify each lender's license. Confirm they are licensed in your state at nmlsconsumeraccess.org before sharing personal information. The NMLS numbers for each lender are listed in the cards above.
- Get pre-qualification from at least 2 lenders. Pre-qualification gives you a rate estimate without a hard credit pull. Compare the APR, down payment requirement, and fees side by side — not just the monthly payment.
- Get a free HUD housing counselor review. A HUD-approved counselor can review any loan offer at no cost and flag problematic terms before you sign. Find one at hud.gov/counseling or call 1-800-569-4287.
- Submit your application to the best offer. You'll need your ITIN, 2 years of tax returns, 12–24 months of bank statements, proof of income, and proof of address.
Frequently Asked Questions
What lenders offer ITIN mortgages?
ITIN mortgage lenders in 2026 include First National Bank of America (15% down, no credit history required), A&D Mortgage (660 credit score, about 20% down), Guild Mortgage (15% down, 20% in CA, HI and IL), Carrington Mortgage Services and CrossCountry Mortgage. Big national banks don't advertise ITIN mortgages.
What documents do I need to apply for an ITIN mortgage?
You will typically need: a valid ITIN, 2 years of filed federal tax returns, 12–24 months of bank statements, proof of income (pay stubs, W-2s, 1099s, or bank statements for self-employed borrowers), and proof of U.S. address. Some lenders also require cash reserves after closing.
What is a non-QM mortgage?
A non-QM (non-qualified mortgage) is a home loan that doesn't meet Fannie Mae/Freddie Mac standards. Fannie Mae accepts an ITIN only from borrowers with lawful U.S. residency, so ITIN holders without that status use non-QM loans. Non-QM lenders set their own requirements and frequently offer ITIN programs. These loans are legal but typically carry higher interest rates than conventional loans.
Can I get an FHA loan with an ITIN?
No. FHA has been limited to U.S. citizens, permanent residents and citizens of the Freely Associated States since May 25, 2025; VA loans require eligible military service; and USDA loans require U.S. citizens or qualified aliens. ITIN-only borrowers don't qualify for government-backed mortgages. Your options are non-QM loans, credit union ITIN programs, and CDFI lending programs.
How do I avoid predatory ITIN mortgage lenders?
Get quotes from at least 2–3 lenders. ITIN rates run above conventional rates, so compare ITIN quotes against each other. Avoid lenders who pressure you to decide quickly, charge more than 3% in origination fees, or include balloon payments. Verify any lender's license at nmlsconsumeraccess.org, and use a free HUD-approved housing counselor to review loan terms before signing.