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No SSN? No problem! If you or your co-borrower do not have a social security number, you might want to consider an ITIN loan when it comes time to purchase or refinance your home. These mortgages are offered by select home lenders to qualifying borrowers and are a great option if you are looking to buy real estate without having a social security number to your name. Whether you are seeking to buy your first home in America, or hoping to upgrade to the perfect next home, ITIN home loans present a unique path to get there if you don’t have an SSN.


What is an ITIN Loan?

So what is an ITIN mortgage exactly? These mortgages also sometimes called “no SSN loans,” are meant for borrowers who have an Individual Taxpayer Identification Number associated with their name – that’s where the moniker “ITIN loan” comes from! These ITIN loans use your taxpayer ID instead of a social security number, which you would usually need to qualify for a home loan.

These no-SSN home loan options are an excellent option for consumers who are not citizens of the United States, but still want to enjoy the many benefits of homeownership. Some customers who might take advantage include students or non-citizen spouses of U.S. citizens.

Some borrowers with poor or absent credit history may report difficulty getting a FICO score or credit score when applying for home loans, but that’s not the case at The Federal Savings Bank. We’re able to potentially use utility bills like water and electric to help you qualify for a home loan.


How Do I Get a Useful ITIN Loan for Borrowers Without a Social Security Number?

At The Federal Savings Bank, getting started with your application for an ITIN home loan is just as easy as the application process for any other home loan. Many applicants like to speak with a loan officer from The Federal Savings Bank’s team of home mortgage professionals. You may feel free also to peruse our free Learning Center, or when you’re ready you are welcome to apply.


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.