ITIN 85

You might not have realized that it’s still possible to qualify for a mortgage loan even with an Individual Tax Identification Number (ITIN). The specifics about this are detailed on the CFPB website. This loan can be used by someone who wants to buy a house with ITIN number (Individual Taxpayer Identification Number) instead of a Social Security Number. It’s designed specifically for borrowers who live and work legally in the United States but are not eligible for a Social Security Number. Many ITIN holders are hardworking individuals who file taxes, earn stable income, and are ready to invest in a home for their families. This program makes it possible for them to access mortgage financing and begin building long-term wealth through homeownership.

Key Benefits of the ITIN 85 Loan

For someone who has an ITIN instead of a Social Security Number but who also has a good credit score, this program can make it possible to buy a home with only 15% down. This flexible option can open the door to homeownership for someone who otherwise might not have been able to qualify—especially first-time buyers, self-employed individuals, or families with steady income and a consistent tax filing history.

This program can be used by someone with no credit score at a higher LTV

If the borrower has a valid government-issued ID and verifiable work history and income, this loan can make home buying possible — even for the self-employed with a verified P&L from a CPA or licensed tax preparer. While this program does require a 20% down payment to buy a house with ITIN number, it opens the door to homeownership for many who thought it was out of reach.

Who is ITIN 85 good for?

Buyers who have an ITIN and a credit score above 700. Qualification is based only on the Transunion credit score.
Buyers with steady employment or sefl employed income. Instead of looking at Federal Income Tax returns we can use a profit and loss statment prepared by a CPA or a Licensed tax preparer.
Buyers with an unexpired government issued ID from any country. This means that the buyer can use an unexpired passport from thier home country to qualify.

Special Features of an ITIN 85 Loan

Up to 85% LTV: ITIN borrowers with a 700+ credit score can purchase for 15% down.
Can finance no score Even a borrower with no credit score can purchase using this program. Max LTV of 80%
Only 1 year of income required: Qualifiying is based on most recent 12 months. Self employed income verified with P&L from CPA or licenesed tax preparer.
No reserves required: The borrower does not need to show any cash reserves for this loan.

It is possible to buy a house with ITIN number with as little as 15% down, as long as you have a credit score of 700 or higher.

Our team is highly experienced. Both the loan officer and the processor are fluent in Spanish.

We meet with clients in person at our office to begin the loan approval process.

We live and work right here in Columbus, Ohio. Our office is located in Gahanna. When you work with us, you’re not dealing with someone in a distant call center—you’re working directly with a local team. You won’t have to explain your situation to a new person every time you call. This makes the entire process more relaxed and comfortable from start to finish.

Let us help you buy a house with itin number and transition into homeownership with confidence and peace of mind!

ITIN 85

Key Benefits of the ITIN 85 Loan

This program can be used by someone with no credit score at a higher LTV

Who is ITIN 85 good for?

Special Features of an ITIN 85 Loan

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