What it is
Programs built for borrowers without a Social Security number or U.S. credit file — ITIN holders living and working in the U.S., and foreign nationals investing from abroad.
How it works
ITIN programs document income like any other loan but accept an ITIN in place of an SSN and alternative credit (rent, utilities). Foreign national programs typically qualify investment property on its rent — a DSCR structure — with no U.S. credit requirement.
Who it fits
ITIN earners buying the home they already live in, and overseas investors adding U.S. rentals — closings can be handled remotely, in an entity.
What you'll need
ITIN: your ITIN card/letter, income docs, alternative credit lines. Foreign national: passport, proof of funds, and the property's income story. Down payments run higher — usually 20–30%.
Good to know
Remote closings are routine. Plenty of our foreign-national files close without the borrower ever boarding a plane.
Two minutes with a licensed advisor beats two hours of reading. NMLS #1511274 · Licensed in California · Florida · Texas
Talk to the DeskGeneral education, not advice for your specific situation. Every file is different — talk to a licensed professional before making decisions.