The best ITIN mortgage lenders of 2026 are Angel Oak Mortgage Solutions for flexible non-QM programs, Griffin Funding for competitive ITIN terms, (learn more about 6 best assumable mortgage lenders in 2026 (fha, va & usda loans)) (learn more about best mortgage lenders for first-time buyers 2026: 8 options compared) (learn more about can i get a mortgage with 600 credit score?) (learn more about equipment loan vs equipment lease: complete comparison) and Guild Mortgage for its established community-lending experience. An ITIN loan lets you buy a home using an Individual Taxpayer Identification Number instead of a Social Security number — no green card or citizenship required.
An ITIN mortgage is designed for borrowers who file taxes with an ITIN, including many immigrants (learn more about startup business loans: complete guide to funding new businesses) (learn more about how to get equipment financing?) and non-resident workers. Because these loans fall outside conventional guidelines, they''re offered mainly by non-QM (non-qualified mortgage) lenders, community banks, and credit unions. Terms, down payments, and rates vary widely, so comparing several lenders matters. Here are seven worth a call.
1. Angel Oak Mortgage Solutions — Best Overall Non-QM
Angel Oak is one of the largest non-QM lenders in the country, with dedicated ITIN programs that accept alternative income documentation like bank statements. Down payments commonly land in the 10–20% range with flexible qualifying — a strong first stop for self-employed ITIN borrowers.
2. Griffin Funding — Best for Competitive Terms
Griffin Funding offers ITIN home loans with fixed and adjustable options and works to keep rates and down payments reasonable relative to the non-QM market. It''s known for guiding first-time and immigrant buyers through the process.
3. Guild Mortgage — Best Established Lender
Guild has a long history of community and affordable-lending programs and offers ITIN options in many markets. Its size, licensing footprint, and in-house servicing make it a dependable pick for borrowers who want a large, name-brand lender.
4. Newfi Lending — Best for Alternative Documentation
Newfi specializes in non-QM loans and accepts a range of income documentation, making it a fit for ITIN borrowers with non-traditional earnings. Its streamlined online process appeals to buyers who want speed.
5. HomeXpress Mortgage — Best for Self-Employed
HomeXpress focuses on non-QM lending and offers ITIN programs, including options for self-employed borrowers and, in some cases, investment properties. Useful if your income is strong but hard to document conventionally.
6. Alterra Home Loans — Best for Immigrant Buyers
Alterra built its brand around serving Hispanic and immigrant homebuyers, with bilingual support and familiarity with ITIN documentation. If language and cultural fit matter, it''s a comfortable starting point.
7. Local Credit Unions — Best for Low Down Payments
Many community credit unions quietly offer ITIN mortgages with some of the friendliest terms — occasionally lower down payments and rates than national non-QM lenders — for members in their region. Check credit unions that serve immigrant communities near you.
What to Expect With an ITIN Loan
ITIN mortgages typically require a larger down payment (often 10–20%), proof of steady income (pay stubs, bank statements, or tax returns), and some credit history — many lenders accept alternative credit like rent and utility payments. Rates usually run somewhat higher than conventional loans because these sit outside standard guidelines. Getting quotes from several lenders is the best way to find the lowest cost.
Frequently Asked Questions
Can I get a mortgage without a Social Security number? Yes. ITIN mortgages let you qualify using an Individual Taxpayer Identification Number, income documentation, and credit history — no SSN or citizenship required.
How much down payment do ITIN loans require? Commonly 10–20%, though it varies by lender and your credit and income profile.
Are ITIN mortgage rates higher? Often modestly higher than conventional loans, since they''re non-QM products. Comparing lenders helps you minimize the difference.
This article is educational and not financial advice; loan terms and availability vary by lender and state. Compare ITIN mortgage lenders and request personalized quotes to find the right fit for your situation.
