Non-QM & Alternative Doc
Alt-Doc — Non-Resident
ITIN Mortgage
Home financing for borrowers with an Individual Tax Identification Number (ITIN) instead of SSN.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
640
Min FICO
85%
Max LTV
Ideal borrower
ITIN holders buying a primary residence in CA.
Program highlights
- No SSN required
- Up to 85% LTV on primary residence
- Tax returns and/or bank statements accepted
Typical uses
- ITIN-holder home purchase
Frequently asked questions
- Can I buy a house in California with an ITIN instead of a Social Security Number?
- Yes. ITIN mortgage programs are specifically designed for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number. You'll need 2 years of tax returns (or bank statements on some programs), valid ITIN, photo ID, and proof of U.S. residence.
- How much down payment is required for an ITIN loan?
- Typically 15% down for a primary residence. Some programs accept 10% with higher FICO and reserves. Second homes and investment properties usually require 20–25% down.
- Is my immigration status a factor?
- No — ITIN programs are tax-ID-based, not immigration-status-based. Your lawful filing of taxes and the ITIN itself is what qualifies you. We've closed ITIN loans for many families across LA, Downey, La Puente, Santa Ana, and Chula Vista.
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.