ITIN Mortgage Loans in VA, MD & DC
Homeownership Is Possible — Even Without a Social Security Number.
✔No impact on your credit to check eligibility
✔ Fast approvals 24–48 hours
✔ Local experts in VA, MD and DC
We offer flexible ITIN mortgage loan programs for borrowers who file taxes using an Individual Taxpayer Identification Number.
What Is an ITIN Mortgage Loan?
An ITIN mortgage loan allows individuals who do not have a Social Security Number to purchase or refinance a home using their Individual Taxpayer Identification Number (ITIN). These programs are designed for hardworking individuals and families who live and pay taxes in the United States and want the opportunity to build stability and long-term wealth through homeownership.
These programs are ideal for individuals who:
- Work and live in the U.S.
- File taxes using an ITIN
- Have stable income
- Want to build long-term wealth through homeownership
ABC United Finance proudly helps ITIN borrowers purchase homes across Virginia, Maryland, and Washington DC with flexible mortgage options designed for international and immigrant homebuyers.
Self-employed borrowers may also benefit from our Bank Statement Mortgage Program.
Who Qualifies for an ITIN Loan?
You may be eligible if you:
- Have a valid ITIN
- File U.S. tax returns
- Can document income (W-2, 1099, or self-employment)
- Have 12–24 months of bank statements (if self-employed)
- Can make a 10–20% down payment
- Have traditional or alternative credit (rent, utilities, phone bills)
See if you qualify for an ITIN mortgage by starting your pre-qualification today
Many ITIN programs fall under specialized Non-QM loan guidelines designed for borrowers who don’t fit traditional mortgage standards.
Want to estimate payments before applying? Request a personalized Mortgage Rate Quote with no impact to your credit score.
Start Your ITIN Pre-Qualification
Get pre-qualified for an ITIN mortgage in minutes — no Social Security Number required.
Your information is secure and will never be shared.
How the ITIN Mortgage Loan Process Works
Applying for an ITIN mortgage loan is straightforward. Our team guides you through each step so you can move from pre-qualification to homeownership with confidence.
Submit Your ITIN Pre-Qualification
Start by completing our secure ITIN loan pre-qualification form. This allows our team to review your basic financial information and determine which mortgage options may work best for your situation.
Provide Required Documentation
After pre-qualification, you will upload or submit the documents needed for underwriting. This may include your ITIN documentation, identification, proof of income, tax returns, and recent bank statements.
Loan Review and Approval
Our underwriting team reviews your financial profile and verifies your documents. Many ITIN borrowers qualify using alternative credit or bank statement income verification depending on the program.
Closing on Your Home
Once your loan is approved, you will move to the closing stage. After signing the final documents, you officially become the homeowner and receive the keys to your property.
Ready to get started? Begin your ITIN mortgage pre-qualification today.
Real ITIN Mortgage Loan Scenarios
These examples show how different borrowers successfully use ITIN mortgage programs to purchase homes in Virginia, Maryland, and Washington DC.
First-Time Buyer – 15% Down
ITIN borrower renting in Falls Church, VA
✔ ITIN purchase loan with alternative credit
✔ 15% down
Result: Became a homeowner with manageable monthly payments
Self-Employed Borrower
ITIN small business owner in Silver Spring, MD
✔ Qualified using 12–24 months of bank statements
✔ Income based on real cash flow
Result: Approved without relying on tax-return write-offs
No Traditional Credit Score
ITIN borrower in Washington, DC
✔ Rental history + utilities used
✔ Approved without FICO score
Result: Clear path to homeownership
See how you may qualify for an ITIN mortgage by starting your pre-qualification today.
Key Benefits of an ITIN Mortgage
No Social Security Number required
Flexible credit options
Alternative credit accepted
Bank statement qualification available
Purchase or refinance
Primary, second homes & investment properties
ITIN Loan Requirements
Most borrowers will need:
- Valid ITIN documentation
- Two years of tax returns
- Proof of income
- Bank statements
- Down payment funds
- Valid ID (passport or national ID)
- Acceptable credit or alternative credit history
Eligible Property Types
Single-family homes
Townhomes
Condos
2–4 unit properties
Investment properties (program dependent)
ITIN Mortgage vs Traditional Mortgage Loans
| Feature | ITIN Mortgage | Traditional Mortgage |
|---|---|---|
| SSN Required | No | Yes |
| Credit Options | Flexible / Alternative | Standard |
| Down Payment | Typically Higher | Lower options possible |
| Eligible Borrowers | ITIN Holders | SSN Holders |
| Property Types | Primary + Investment | All |
What Our ITIN Clients Say
⭐⭐⭐⭐⭐ “As an ITIN borrower, I wasn’t sure I could qualify, but ABC United Finance guided me through every step.
They accepted my alternative credit and helped me buy my first home in Woodbridge.” — Rodrigo G., VA
⭐⭐⭐⭐⭐ “I’m self-employed and file taxes with an ITIN. ABC used my bank statements to qualify my income and helped me purchase a condo in Silver Spring.” — Luis R., MD
Frequently Asked Questions (FAQ)
Can I buy a home with an ITIN in VA, MD, or DC?
Yes. We offer ITIN mortgage programs throughout Virginia, Maryland, and Washington, D.C.
Do I need a credit score?
Not always. Alternative credit such as rental history and utilities may be accepted.
How much down payment is required?
Most borrowers should expect 10–20%, depending on income and credit profile.
Can self-employed borrowers qualify?
Yes. Bank-statement programs are available.
If you already own a home and want to access equity without refinancing your first mortgage, explore our Home Equity Loan Options.
Can I refinance with an ITIN loan?
Yes. Refinance options are available to adjust rate or term.
If you already own a home and want to access equity without refinancing your first mortgage, explore our Home Equity Loan Options.
Are ITIN mortgages legal?
Yes. These programs are fully compliant and designed for tax-paying ITIN borrowers.
¿Listo para Comprar su Casa con un Préstamo ITIN en VA, MD o DC?
Podemos ayudarle a comprar o refinanciar su casa sin número de Seguro Social.
✔ Aceptamos crédito alternativo
✔ Préstamos para trabajadores independientes
✔ Opciones flexibles de pago inicial
Ready to Get Started?
Get a personalized review of your income, credit alternatives, and down payment options.
✔ Fast Pre-Approvals
✔ Experienced ITIN Specialists
✔ Clear Guidance From Start to Finish