ITIN Loans

HOPE has a special mortgage for people who have an Individual Taxpayer Identification Number.

What is an ITIN Loan​?

An ITIN loan is a mortgage specifically designed for individuals who do not have a Social Security number (SSN) but do have an Individual Taxpayer Identification Number (ITIN).

ITIN loans provide a path to homeownership for those who contribute to their communities, pay taxes, and seek the opportunity to create a better life, just like anyone else. At HOPE, our ITIN loans offer fair, accessible financing for families across the Deep South.

Benefits of ITIN Home Loans

An ITIN home loan opens doors that were once closed to many hardworking families. HOPE is proud to offer ITIN loans that help make homeownership more accessible and achievable for more people with:

• Low down payment options
  • Up to 95% financing for home prices up to $250,000
  • Up to 90% financing for home prices between $250,000 and $400,000
• Competitive fixed interest rates
• No private mortgage insurance (PMI) requirements
• Nontraditional and alternative credit accepted²

Path to Homeownership Without an SSN

With an ITIN loan, you don’t need a Social Security number to become a homeowner, using your ITIN to qualify for a mortgage to purchase a home, moving toward building equity, stability, and a future for your family. HOPE offers:

• Fair, competitive interest rates designed to keep homeownership affordable
• Personalized support throughout the loan process
• A commitment to serving and uplifting the underrepresented communities across the Deep South

Who Can Apply for an ITIN Home Loan?

ITIN residency and income requirements

If you have an ITIN and meet certain financial and residency guidelines, you may qualify for an ITIN home loan at HOPE. While each application is reviewed individually, here are some of the basic requirements you’ll need to meet for an ITIN loan with HOPE:

• A valid Individual Taxpayer Identification Number (ITIN)
• Minimum credit score of 580
• The most recent two years of income tax returns and transcripts
• Valid government-issued identification from your country of origin (such as a passport or consular ID)

We understand your path might look different from others, and we’re here to meet you where you are with respect, dignity, and support.

How to Apply for an ITIN Loan with HOPE

At HOPE, we’re here to help you get started on your journey to homeownership with an ITIN loan. Our mortgage lending team is here to guide you every step of the way, from gathering documents to finding the right loan for your needs.

If you’ve been dreaming of owning a home, HOPE is here to help you make it happen, because where you start shouldn’t determine how far you can go.

1 Loan Subject to Credit Approval.
2 At least 3 lines of verified credit over 12 months.