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flexible financing for ITIN holders
up to $1.5 million in financing for your primary residence
ITIN Mortgage Loans help make homeownership more accessible for members with an Individual Taxpayer Identification Number (ITIN). Whether you’re purchasing or refinancing a primary residence, this program offers personalized support and flexible terms to meet your needs.
Choose from 15 or 30-year loan options and borrow up to $1.5 million with up to 80% LTV. Gift funds are allowed, and our mortgage advisors are ready to guide you through every step of the process.
Features
- Primary residence – Available for owner-occupied homes
- Purchase or refinance – Flexible options based on your situation
- 15 or 30-year terms1 – Choose the option that fits your budget
- Up to $1.5 million – Maximum loan amount available
- Up to 80% LTV – Finance up to 80% of the property’s value
- Gift funds allowed – Friends or family can help contribute
Ideal For
An ITIN Mortgage is designed for workers and entrepreneurs currently residing in the United States who do not have a Social Security Number (SSN) but instead have an Individual Taxpayer Identification Number (ITIN) issued by the IRS.
Frequently Asked Questions
A: An ITIN mortgage loan is a home loan designed for borrowers who do not have a Social Security Number but instead use an Individual Taxpayer Identification Number (ITIN) issued by the IRS. This program helps ITIN holders purchase or refinance a primary residence with flexible credit and income requirements.
If you’re exploring homeownership using an ITIN, a Mortgage Advisor can walk you through your options.
A: ITIN mortgages are available to borrowers who live in the United States and file federal taxes using an Individual Taxpayer Identification Number. Eligible members must use the home as their primary residence and meet standard income, credit, and documentation requirements. You may qualify whether you are a W-2 employee, self-employed, or an entrepreneur.
A Mortgage Advisor can help confirm your eligibility.
A: United offers ITIN mortgage financing up to $1.5 million for primary residences. Qualified borrowers can finance up to 80% of the property’s value, depending on credit and income.
Your Mortgage Advisor can help determine how much you may qualify for based on your budget and goals.
A: Yes. United allows gift funds from friends or family to be used toward your down payment or closing costs, as long as they meet documentation requirements. This can make it easier to purchase a home with limited personal savings.
If you plan to use gift funds, a Mortgage Advisor can guide you through the process.
A: Documentation for an ITIN mortgage typically includes proof of income, two years of tax returns filed with your ITIN, bank statements, identification, and verification of your current U.S. residency. Additional items may be required depending on whether you are a W-2 employee or self-employed.
A Mortgage Advisor can provide a personalized checklist.
A: Yes. United offers ITIN mortgage options for both home purchases and refinances. Whether you want to lower your rate, adjust your loan term, or tap into equity, refinancing may be available depending on your credit, income, and property value.
To explore refinance options, connect with a Mortgage Advisor.
A: ITIN loans often have different qualification requirements compared to traditional mortgages because they fall outside standard guidelines. This may include higher down payment expectations, additional documentation, or credit review. United’s ITIN program allows financing up to 80% LTV, depending on your financial profile.
Your Mortgage Advisor can review your specific eligibility.
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Offer and terms subject to change. Loans subject to credit and collateral approval. Rate and term based on individual credit history and program guidelines. Consult a mortgage advisor for more details.
[1] Payment example, $250,000 financed for 180 months at a fixed rate of 6.911% APR equals a monthly payment of $2,212.27. $250,000 financed for 360 months at a fixed rate of 6.848% APR equals a monthly payment of $1,621.50.