ITIN Loans

A mortgage option that allows buyers to use an Individual Taxpayer Identification Number instead of a Social Security Number, with flexible credit and documentation standards.

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What Are ITIN Loans?

ITIN loans are designed for buyers who do not have a Social Security Number but possess an Individual Taxpayer Identification Number (ITIN). These programs open the door to homeownership for immigrants and foreign nationals living and working in the U.S., offering flexible credit and documentation options that many traditional lenders do not provide. With ITIN financing, qualified borrowers can purchase a primary residence or investment property using their ITIN in place of an SSN—no green card or specific legal status required. This makes it possible for hardworking families and individuals to invest in their future through real estate, even if they’ve been turned away elsewhere.

Why Choose an ITIN Loan?

ITIN loans serve a motivated, often underserved segment of the market, giving buyers a pathway to homeownership without the barriers that come with traditional mortgage requirements. They’re particularly valuable for self-employed borrowers or those working in cash-heavy industries, where income may not be documented in standard ways. By using commonsense underwriting, Elliman Capital makes it possible to own a home, build equity, and strengthen financial stability—regardless of SSN status.

How to Get Started

Our team specializes in ITIN financing and understands the nuances of documentation and qualification requirements. Start with our quick online application, and we’ll guide you step-by-step—ensuring a smooth process from approval to closing.

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