Borrower Eligibilty Mortgage Lenders and Loans

ITIN Borrower Documentation Requirements

Borrowers with an Individual Taxpayer Identification Number (ITIN) may qualify for home financing by providing documentation that verifies their identity and confirms the ITIN is current and in active use. Eligible borrowers can purchase or refinance a home without a Social Security number, provided program documentation requirements are met.

Applicants should be prepared to provide valid government-issued identification along with proof of a valid ITIN. Additional documentation may be required if the ITIN has expired or needs to be verified. Program guidelines vary by lender and loan program.