ITIN Loans

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


Need an ITIN Loan?

Do you need to buy a home or refinance but can’t because you don’t have an SSN?

Equinox Home Financing offers an ITIN loan. This loan program is perfect for someone who is not a US Citizen and does not have a Social Security Number, but still pays taxes using an Individual Taxpayer Identification Number (ITIN). We can get you qualified by using your ITIN Number.

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How It Works

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Call or 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. 

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Get Approved

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

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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. 

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Why Equinox?

Here at Equinox Home Financing, we pride ourselves on providing solutions to self-employed home buyers and borrowers. If you can’t provide proof of income or you are like most other business owners who have an overage of tax deductions, we can help you! 

Yes, We are the ITIN Mortgage Experts.

Here at Equinox Home Financing, we’ve helped thousands of ITIN customers either buy a home or refinance their mortgage by using an ITIN loan. Once we have reviewed your loan application, we will be highly certain that you do qualify. This is why our conversion ratio is so high. Don’t believe us? Call us today to find out.

Funded ITIN Loans


Application to Closing Conversion

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Answers to Your Questions

What is an ITIN 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 if 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 bororwers purchase or refinance their homes. First step is to call us, a professional will help consult 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 what type of loan program you are qualified for. With an ITIN loan program, we can offer this loan on a Owner occupied or second home property only. We can lend on single family residences, condo’s 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

cali house

Los Angeles, California

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

Tampa, Florida

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

Plano, Texas

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


Read what our customers are raving about

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What Are You Waiting For?

Call us today. A licensed representative is on stand by to help you with your financing needs. There’s no need to wait any longer. Get financing now!