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For borrowers without a social security number (SSN), an ITIN loan can be the ideal path to homeownership. If you have been assigned an Individual Taxpayer Identification Number (“ITIN”) by the government of the United States, you might be able to get a mortgage from a lender like The Federal Savings Bank if you meet certain qualification standards. But did you know that the ITIN loan can be used for more than just purchases?


Build to Suit Your Needs with ITIN Construction Loans

Prospective homeowners without social security numbers might fear that their needs are too specific, and might wind up settling by purchasing a home that has already been built. However, ITIN construction is an excellent way to avoid compromising on the parts of your home that mean the most to you and your family. An experienced ITIN construction lender like The Federal Savings Bank can help qualifying borrowers build a home in a location that works for you, or with a special ramp for a loved one.

Not every home lender offers ITIN loans, but those who do will want to see that you can repay the loan before they lend you the money to build your perfect home in the USA. Just as with any other mortgage, you may need to provide paystubs, tax documents, and bank statements in order to apply for an ITIN home loan.


The Federal Savings Bank Can Help You

No matter where you are in the process of selecting your next home, your loan officer should be a trusted member of your team when you build a new home. ITIN construction loans at TFSB are available for all single-family primary residences (no second homes or investment properties). This loan program is available in all 50 states and may be used for renovation as well as a ground-up build.

For many homeowners, The Federal Savings Bank is a trusted source for home financing, regardless of your SSN or ITIN status. Check out our Learning Center chock-full of helpful information for consumers interested in financing their home, or contact one of our loan officers today to get started on your homebuying journey.


Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

This article is intended for general informational and educational purposes only and should not be construed as financial or tax advice. For more information on financial planning or investment advice, consult a registered investment advisor or financial planner. For tax advice, please consult a tax professional.

This information is intended for educational purposes only. Products and interest rates subject to change without notice. Loan products are subject to credit approval and include terms and conditions, fees and other costs. Terms and conditions may apply. Property insurance is required on all loans secured by property. VA loan products are subject to VA eligibility requirements. Adjustable Rate Mortgage (ARM) interest rates and monthly payment are subject to adjustment. Upon submission of a full application, a mortgage banker will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.