A common myth is that you need U.S. citizenship — or at least a Social Security number — to get a mortgage. You don’t. Specialized programs make homeownership and real estate investing possible for borrowers who fall outside the traditional box.
ITIN loans
An ITIN (Individual Taxpayer Identification Number) loan is for borrowers who file U.S. taxes but don’t have a Social Security number. Using your ITIN, these programs let qualifying buyers finance a primary residence much like any other borrower — with credit, income, and down payment all part of the picture. It’s one of the most meaningful paths to homeownership for many immigrant families.
Foreign national loans
Foreign national programs serve non-resident buyers — often investors purchasing U.S. property who don’t live or file taxes here. Because traditional U.S. credit and income may not exist, these loans frequently lean on the property itself. For a rental, that often means a DSCR loan, which qualifies on the property’s rental income rather than the borrower’s personal finances.
What you’ll generally need
- A larger down payment than a typical conventional loan
- Documentation of income or assets (forms vary by program and country)
- For ITIN loans, a history of filing U.S. taxes under your ITIN
- Cash reserves to cover several months of payments
Requirements differ widely between lenders and program types, so the right match matters even more than usual here.
The bottom line
Citizenship status doesn’t have to stand between you and a U.S. home or investment property. Whether you’re an ITIN filer buying your first home or a foreign investor adding a rental, there’s likely a program that fits. Reach out and we’ll walk you through the options in plain language.
This article is for general education and isn't financial advice or a commitment to lend. Loan programs, terms, and availability depend on your qualifications and are subject to credit approval. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.