ITIN Loans

Do you need to use your ITIN to buy or refinance a home? We have great loans for our ITIN borrowers.

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ITIN Loan: Program Highlights & Borrower Benefits

An ITIN Loan is designed for borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number to file taxes.

This program allows non-U.S. citizens and self-employed borrowers to qualify for home financing using alternative documentation.

Homeownership isn’t limited by your citizenship status — it’s supported by your financial strength.

Man and Woman with girl holding teddy bear

Program Features

Loan Amounts: Up to $2,500,000 depending on profile

ITIN Required: Must have valid ITIN

Min Credit Score: Typically 680+

Credit Options: Traditional credit or alternative credit history accepted

Down Payment: Starting at 20% depending on credit and occupancy

Property Types: Single family residence, condo, 1-4 units

Income Documentation: Tax returns, bank statements, or alternative documentation

Occupancy: Owner-occupied only

Reserves: Typically 3–12 months depending on loan size

No Social Security number required.
Alternative credit allowed.
Flexible documentation options.
Approval is based on stability — not immigration status.

Program Highlights

Loan Amounts: Up to $2,500,000 depending on profile

Min Credit Score: Typically 680+

Down Payment: Starting at 20% depending on credit and occupancy

Income Documentation: Tax returns, bank statements, or alternative documentation

ITIN Required: Must have valid ITIN

Credit Options: Traditional credit or alternative credit history accepted

Property Types: Single family residence, condo, 1-4 units

Occupancy: Owner-occupied only

Reserves: Typically 3–12 months depending on loan size

No Social Security number required.
Alternative credit allowed.
Flexible documentation options.
Approval is based on stability — not immigration status.

How It Works

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Equinox Makes ITIN Financing Clear & Confidential

At Equinox, we understand ITIN borrowers often have:

  • Strong income
  • Limited traditional credit history
  • Self-employment
  • Cash-based businesses
  • Concerns about documentation

We guide you through:

  • Credit profile review
  • Income qualification strategy
  • Documentation checklist
  • Down payment sourcing

We handle these files with precision and discretion.

Because this isn’t just a transaction.
It’s a milestone.

Man and woman with 2 kids walking into a house

Why Choose a ITIN Loan?

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Non-U.S. citizens without a Social Security number
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Self-employed borrowers filing taxes with an ITIN
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Buyers building credit history
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Families purchasing their first home
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Investors with ITIN tax filing status
If you file taxes and can document income, you may qualify.
Financial responsibility matters more than paperwork labels.

We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Application to Closing Conversion

Funded Home Loans

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Answers to Your Questions

What is a Jumbo Loan?
An ITIN (Individual Taxpayer Identification Number) Loan is a type of mortgage for people who don’t have a Social Security number but still pay taxes in the United States. These loans are often used by non-citizens, such as immigrants, who aren’t eligible for Social Security numbers but need to buy a home. To apply for an ITIN Loan, borrowers use their ITIN instead of a Social Security number. ITIN Loans typically require larger down payments and may have higher interest rates than traditional mortgages. This program provides a way for individuals without Social Security numbers to achieve homeownership in the United States.
Is My Credit Score a Factor in Getting Approved?
When doing an ITIN loan, we do look at your credit score. Other factors include income and employment status. If your financial situation makes sense today, we can lend you the money you need for a bank statement purchase loan or a refinance loan.
What Kind of Loan Terms Do You Offer?
ITIN loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. ITIN loans are available as a 5 Year Adjustable Rate Mortgage, which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest-only payments which we can do as well, so that you can keep your monthly payments as low as possible.
How Do I Get Qualified?
The process is simple. When most people call us, they are usually skeptical about the program and whether they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many ITIN borrowers purchase or refinance their homes. First step is to call us, a professional will help consult with you and explain how our programs work in detail. There are many types of programs, and it’s best to speak with us so we can guide you in the right direction.
What Type of Properties Can I Finance?
It depends on the type of loan program you are qualified for. With an ITIN loan program, we can offer this loan on an owner-occupied or second home property only. We can lend on single-family residences, condos, and 1-4 unit properties.

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers.
LA House

Los Angeles, California

Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount

Spanish Style house

Tampa, Florida

Bank Statement Loan
25% Down Payment
$475,000 Loan Amount

White house front exterior

Plano, Texas

2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount

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What Are You Waiting For?

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