ITIN Mortgage

What is an ITIN Mortgage Loan?

The ITIN (Individual Tax identification Number) Mortgage Loan is for people without a social security number looking to buy a home in the United States. The ITIN Loan requires a higher down payment and may have higher rates then conventional financing. 


You may qualify for the ITIN Mortgage Loan with us if you meet all of the following criteria:

  1. Have filed taxes with an Individual Tax Identification Number for at least 2 years
  2. Can provide 2 years tax returns filed under the ITIN
  3. Have a 2-year employment history in the same line of work
  4. Can provide pay stubs for the last 30 days
  5. Have a credit score greater than 620 – A Bankruptcy or Foreclosure are ok
  6. You are looking for a home with ITIN in California, Colorado, Florida or Illinois
  7. Have a debt to income ratio less than 55% with compensation factors
  8. Have a 20% down payment – Gift funds are ok as long as 5% is from the borrower

What property types can I get an ITIN Mortgage Loan for?

ITIN Mortgage loans are available for Single Family Residents, Townhomes, Condos and 2-4 units residential. An ITIN Mortgage Loan can be secured for your primary residence, a second home or investment/rental property.


How long does the process take?

From start to finish we can process your ITIN Mortgage Loan application in as quick as 30-days.


How do I get started?

To be pre-qualified for an ITIN Mortgage Loan, start by calling 630-519-5955 or emailing

If you need an ITIN Mortgage in Chicago, ITIN Mortgage in Illinois, ITIN Mortgage in San Diego, ITIN Mortgage in Los Angeles, ITIN Mortgage in California, ITIN Mortgage in Denver, ITIN Mortgage in Colorado, ITIN Mortgage in Miami, ITIN Mortgage in Tampa Bay, ITIN Mortgage in Florida, then call now!



Required Documents

VA Loans

Veteran Loans

Prime 1 Bancorp, Ltd is not affiliated with any government organization or bank nor do we act on behalf of the FHA or VA. We are not a Federally chartered or State Chartered Bank. We are an we are an Illinois Residential Mortgage Licensee by the Office of Banks and Real Estate License #MB.6761138, a Colorado Registered Mortgage Brokerage by Division of Real Estate, a Florida Residential Mortgage Brokerage Licensed by the Office of Financial Regulation License #MBR1930 dba Prime 1 Mortgage Inc, a California CFL Licensed Mortgage Brokerage by Department of Business Oversights 60DB055973. Prime 1 Bancorp, LTD Corporate Office is located at 2720 S. River Rd Suite 50, Des Plaines, IL 60018 our Toll Free Number is 888-205-3737.

Loan product availability is subject to qualification of the borrower and loan approval after full review of the file. Not every applicant qualifies or is eligible for every loan program. Some loan products may not be available in all states. Loan approval, note rate and annual percentage rate are dependent on factors including, but not limited to, credit, collateral, income, assets and overall financial history. Not all applicants will be approved for a loan. All loan programs, terms and annual interest rates are subject to change without notice. NMLS: 1434638