No Social Security number? You can still finance real estate.
ITIN loans are built for borrowers who file taxes and qualify for financing using an Individual Taxpayer Identification Number instead of a Social Security number.
Equal Housing Opportunity
Built around a real, common gap.
Plenty of people living and working in the U.S. — and paying taxes here — don’t have a Social Security number but do have an Individual Taxpayer Identification Number (ITIN) issued by the IRS. ITIN loans exist to give those borrowers a legitimate financing path, using the ITIN in place of an SSN for identity and tax-filing verification.
Your ITIN stands in where an SSN normally would.
Documentation generally centers on your ITIN, your tax filings, and standard income and asset verification — the process runs parallel to a typical loan application, just built to accept an ITIN as valid identification. Specific down payment and documentation requirements vary by investor, which is why we walk through them with you directly (see below).
Available nationwide for qualifying business-purpose transactions — not limited to California. The loan programs on this page are business-purpose loans for non-owner-occupied investment or business property — they are not intended for personal, family, or household use. Because they’re business-purpose loans, we offer them nationwide, separately from our California-only consumer home loan programs. This page is general program information, not a set of loan terms, a commitment to lend, or an offer of credit.
Wondering if you’d qualify? Every wholesale investor sets their own guidelines, and the specific numbers — minimum credit score, maximum loan-to-value, qualifying ratios — genuinely vary from loan to loan. Rather than guess at figures here, we’ll walk you through current guidelines for your specific scenario using the same investor relationships we place these loans through. Contact us → and let’s talk about your situation directly.
Get pre-qualified for an ITIN loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.