Individual Taxpayer Identification Number Loan Program 

An ITIN mortgage is a type of home loan that is available to individuals who do not have a Social Security number (SSN), but have an Individual Taxpayer Identification Number (ITIN). ITINs are issued by the Internal Revenue Service (IRS) to individuals who are not eligible for an SSN but are required to file a tax return or pay taxes in the United States.

ITIN mortgages are designed to help non-U.S. citizens, including undocumented immigrants, who may have difficulty qualifying for traditional mortgages because of their immigration status or lack of an SSN.

To qualify for an ITIN mortgage, borrowers typically need to provide proof of income and employment, as well as other documentation required by the lender. The lender will also assess the borrower's creditworthiness, taking into account factors such as their credit history, debt-to-income ratio, and ability to make mortgage payments.

ITIN mortgages have specific eligibility requirements and underwriting standards.