Buying a home without a Social Security Number is absolutely possible. At ABC United Finance Corp, we proudly offer ITIN Mortgage Loans designed for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN). We serve homebuyers and homeowners throughout Virginia, Maryland, and Washington, D.C.
An ITIN mortgage allows borrowers without a Social Security Number to purchase or refinance a home using their Individual Taxpayer Identification Number. These programs are ideal for individuals who:
You may be eligible if you:
| Scenario | Borrower Profile | Solution | Result |
|---|---|---|---|
| First‑time buyer with 15% down | ITIN borrower renting in Falls Church, VA with limited credit history | ITIN purchase loan with 15% down and alternative credit references | Buyer becomes a homeowner with a manageable payment and no SSN required |
| Self‑employed borrower using bank statements | ITIN borrower running a small business in Silver Spring, MD | ITIN mortgage qualified using 12–24 months of business and personal bank statements | Borrower qualifies based on real cash flow instead of tax‑return income |
| Buyer using alternative credit | ITIN borrower in Washington, DC with no traditional credit scores | ITIN loan using rental history, utility bills, and phone bills as alternative credit | Borrower is approved despite no U.S. credit score, with a clear path to homeownership |
Get a personalized review of your income, credit alternatives, and down‑payment requirements. Start your ITIN pre‑qualification today.
While guidelines vary, most borrowers will need:
| Feature | ITIN Mortgage | Traditional Mortgage |
|---|---|---|
| SSN Required | No | Yes |
| Credit Options | Flexible / Alternative | Standard |
| Down Payment | Typically Higher | Lower options available |
| Eligible Borrowers | ITIN holders | SSN holders |
| Property Types | Primary, investment, 2–4 units | All |
⭐⭐⭐⭐⭐ “As an ITIN borrower, I wasn’t sure I could qualify for a mortgage, but ABC United Finance guided me through every step. They accepted my alternative credit and helped me buy my first home in Woodbridge. The process was clear, respectful, and much easier than I expected.” — Rodrigo G., Woodbridge, VA
⭐⭐⭐⭐⭐ “I’m self‑employed and file taxes with an ITIN, so I thought getting approved would be difficult. ABC United Finance used my bank statements to qualify my income and helped me purchase a condo in Silver Spring. Their team was patient, knowledgeable, and always available.” — Luis R., Silver Spring, MD
Yes. ABC United Finance Corp offers ITIN mortgage programs throughout Virginia, Maryland, and Washington, D.C.
Not always. We accept alternative credit such as rental history, utilities, and other verified payments.
Most borrowers should expect 10–20% down, depending on credit and income.
Yes. Bank‑statement programs are available for qualifying self‑employed borrowers.
Yes. We offer ITIN refinance options to lower your rate, change terms, or access equity.
Absolutely. ITIN loans are fully compliant and designed for borrowers who pay taxes using an ITIN.
ABC United Finance Corp is here to help you achieve homeownership in Virginia, Maryland, and Washington, D.C.
