ITIN PROGRAM

Flexible mortgage financing solutions designed for borrowers using an ITIN

Loan Programs

ITIN Program

A flexible mortgage financing solution for borrowers using an Individual Taxpayer Identification Number instead of a Social Security Number.

Program Overview

The ITIN Program provides flexible mortgage financing solutions for individuals living in the United States without a Social Security Number. Designed for wage earners and borrowers seeking alternative qualification options for purchase or refinance transactions.

Program Features

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Maximum 75% LTV available for eligible purchase transactions.

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Maximum 70% LTV available for cash-out refinance scenarios.

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Wage earners may qualify with 24-month WVOE and 1-month bank statement.

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No W2s or paystubs required for eligible borrowers.

Why Choose This Program?

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Alternative documentation options available for qualified borrowers.

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Flexible financing solutions designed specifically for ITIN borrowers.

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Purchase and refinance options available for eligible scenarios.

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Financing available for multiple occupancy types.

Who This Program Is Great For?

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Borrowers without a Social Security Number using a valid ITIN.

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Wage earners seeking alternative documentation mortgage options.

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Buyers looking for flexible home financing solutions.

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Homeowners exploring refinance opportunities with ITIN qualification.

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Borrowers seeking purchase or refinance financing without traditional income docs.

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Clients wanting guidance on structuring an ITIN loan scenario.

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Need Help Structuring an ITIN Loan?

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ITIN Loans at a Glance

Quick answer: An ITIN mortgage lets borrowers without a Social Security Number qualify with an Individual Taxpayer Identification Number. Qualifying scenarios may go up to 75% LTV on purchases and 70% on cash-out refinances, with a 640 minimum FICO and loan amounts up to $1 million. Last reviewed: November 2026.

75% / 70%

Max LTV Purchase / Cash-Out

640

Min FICO

$1M

Max Loan Amount

No SSN

ITIN Accepted

More ITIN Program Details

  • Valid ITIN accepted in place of a Social Security Number
  • Wage earners may qualify with a 24-month WVOE and 1 month of bank statements
  • No W-2s or pay stubs required for eligible borrowers
  • Purchase and refinance scenarios, including cash-out
  • Multiple occupancy types may be available
  • Final terms depend on the full file and are subject to underwriting approval

ITIN Loan FAQs

What is an ITIN mortgage?

An ITIN mortgage is a home loan for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number.

Can I buy a home in Florida with an ITIN?

Yes, eligible borrowers may qualify. TAG Lending Group (NMLS #2329372) is a licensed mortgage lender in Florida, Georgia, Michigan, New Mexico, Ohio, South Carolina, Tennessee, and Texas.

What is the minimum credit score and maximum LTV?

Qualifying scenarios may go up to 75% LTV on purchases and 70% on cash-out refinances, with a minimum 640 FICO.

What is the maximum loan amount?

Loan amounts may go up to $1 million for qualified borrowers, subject to guidelines.

What income documents are needed?

Wage earners may qualify with a 24-month written verification of employment (WVOE) and 1 month of bank statements. W-2s and pay stubs are not required for eligible borrowers.

Can I refinance or take cash out with an ITIN loan?

Yes. Refinance and cash-out scenarios may be available, with a lower maximum LTV on cash-out, subject to underwriting approval.

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