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For many high-earning professionals working in the U.S. on non-resident visas—such as H-1B, L-1, O-1, or TN visas—purchasing a home may feel out of reach due to the lack of a Social Security Number (SSN). Fortunately, ITIN mortgages offer a viable path to homeownership. These mortgages are designed specifically for individuals with an Individual Taxpayer Identification Number (ITIN), enabling visa holders to buy property, build equity, and achieve financial stability in the U.S.
What Is an ITIN Mortgage?
An ITIN mortgage is a home loan designed for individuals who do not qualify for a traditional mortgage due to the absence of an SSN. Instead, they use their Individual Taxpayer Identification Number, a tax-processing number issued by the IRS to foreign nationals and others who have tax-reporting obligations but are not eligible for an SSN.
Why ITIN Mortgages Make Sense for High-Earning Visa Holders
Professionals on non-resident visas often have strong incomes, excellent credit histories in their home countries, and U.S. credit built through credit cards, rent, or car loans. Despite these credentials, many are excluded from traditional mortgage products due to their visa status or lack of an SSN.
Key Benefits:
- Accessible Financing: No SSN required—only a valid ITIN.
- Build Equity in the U.S.: Start building long-term wealth instead of renting.
- Flexible Documentation: Lenders often accept foreign credit and alternative documentation.
- Path to Permanent Residency: Owning property can strengthen immigration applications in some scenarios.
ITIN Mortgage Requirements for Non-Resident Professionals
Though specific requirements may vary by lender, here are common qualifications:
- A valid ITIN
- 2 years of consistent income (W-2, 1099, or international income with verification)
- 15–20% down payment (some lenders accept 10%)
- Bank statements showing cash reserves
- U.S. or foreign credit history, or non-traditional credit documentation
- Valid passport and visa
Tip: Consider working with a lender experienced in ITIN and foreign national loans.
Get Pre-Qualified Today for an ITIN mortgage and explore your eligibility options.
How to Improve Your ITIN Mortgage Application
High-earning professionals can increase approval odds with these tips:
- Build U.S. Credit: Use secured credit cards and pay on time.
- Increase Down Payment: A higher down payment reduces risk for lenders.
- Maintain Steady Employment: Demonstrate stable, predictable income.
- Choose the Right Lender: Not all lenders offer ITIN loans—research or contact a mortgage advisor who specializes in ITIN products.
Ready to Buy a Home?
Don’t let visa restrictions keep you from owning a home in the U.S. Work with our experienced mortgage advisors to find ITIN mortgage options tailored to your visa status and income level.
Schedule a Free Consultation and get one step closer to homeownership.
Frequently Asked Questions (FAQ)
Can I get an ITIN mortgage on an H-1B or L-1 visa?
Yes. Many professionals on work visas qualify for ITIN loans if they meet income and documentation requirements.
Is my international income acceptable for an ITIN mortgage?
Yes, if it can be verified through official documents, such as tax returns, bank statements, or employer letters.
How much down payment is required for ITIN mortgages?
Typically 15%–20%, though some lenders may offer lower options with stronger documentation.
Can I refinance with an ITIN mortgage later?
Yes. Once you’ve built U.S. credit and equity, refinancing may help reduce rates or change loan terms.
Read Next
- Foreign National Mortgage Loans: What You Need to Know
- Buying a Home in the U.S. as a Non-Citizen
- How to Build Credit as an Immigrant or Visa Holder
Final Thoughts
ITIN mortgages unlock homeownership for high-earning professionals on non-resident visas. With proper documentation, strong income, and a reputable lender, the dream of owning U.S. real estate is well within reach—even without a Social Security Number.
Contact Our ITIN Mortgage Specialists and start your homeownership journey today.
Get Expert Financing
- Matched with investor-friendly lenders
- Fast pre-approvals-no W2s required
- Financing options fro rentals, BRRRR, STRs
- Scale your portfolio with confidence
Our advice is based on experience in the mortgage industry and we are dedicated to helping you achieve your goal of owning a home. We may receive compensation from partner banks when you view mortgage rates listed on our website.
