ITIN & newcomer mortgage path finder
Mainstream mortgage tools assume an SSN and a thick credit file. This one doesn’t. Answer seven questions about your status, history, and income — we’ll point you to the programs actually open to you.
Step 1 of 7
What's your immigration / residency status?
How this path finder works
There’s no single “immigrant mortgage” — the right program depends on whether you have a Social Security number, how long you’ve been in the U.S., your tax-filing and credit history, and how you earn. A DACA recipient with an SSN has very different options than an ITIN holder with foreign income, even though both are often told “you can’t buy a home.” Usually, you can.
The finder maps your answers to the most likely path: a standard conventional or FHA loan where you qualify for one, an ITIN portfolio loan where you don’t, or a preparation roadmap when building credit and tax history comes first. The logic follows published agency rules (FHA accepts DACA and many non-permanent residents; conventional allows non-permanent resident aliens with work authorization) and common ITIN-program standards.
How it works, in four steps
- Identify your status and ID. Note whether you have a Social Security number or an ITIN, and your immigration status (DACA, work visa, permanent resident, foreign national).
- Establish time in the U.S. and work authorization. How long you've been in the country and whether you're authorized to work shapes your conventional and FHA eligibility.
- Assess your credit and tax-filing history. A traditional credit score plus two years of tax filings open more programs; a thin or foreign credit file points toward ITIN portfolio loans.
- Match to your best-fit path. The finder maps your answers to a conventional or FHA loan, an ITIN portfolio loan, or a credit-and-tax-history preparation roadmap.
Want to see specific program archetypes by criteria? Use the non-QM loan finder, or read the full ITIN mortgage guide.