ITIN loan
A mortgage program for borrowers with an Individual Taxpayer Identification Number instead of a Social Security Number. Designed for non-citizen borrowers including visa holders and non-resident aliens. Requires alternative credit documentation and typically a 15–20% down payment.
How does this affect your loan? Estimate self-employed qualifying income with the
DTI calculator, or read the
self-employed mortgage guide.
Related terms
- Jumbo loan — A mortgage exceeding the conforming loan limit set by Fannie Mae and Freddie Mac (≈$806,500 for a single-famil…
- Portfolio loan — A loan the originating lender holds on its own balance sheet rather than selling to Fannie, Freddie, or invest…
- Conventional loan — A mortgage that conforms to Fannie Mae and Freddie Mac guidelines. Not government-insured. Lowest rates for bo…
- FHA loan — A mortgage insured by the Federal Housing Administration. Allows lower down payments (3.5% with 580+ credit),…
- VA loan — A mortgage guaranteed by the Department of Veterans Affairs, available to eligible service members, veterans,…
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Sources
Educational definition only — not financial, legal, or tax advice. Programs and limits change; verify current terms with a licensed professional.