Buying a Home Without a SSN? Discover How with Our ITIN Loan Program


Navigating the journey to homeownership can be challenging, especially for those without a Social Security Number (SSN). At Federal Hill Mortgage, we understand this hurdle and offer an inclusive solution: our ITIN Loan Program, designed specifically for individuals like you.

What is an ITIN?

An Individual Tax Identification Number (ITIN) is issued by the IRS to those who are required to have a U.S. taxpayer identification number but do not have, and are not eligible to obtain, an SSN.

Applying for an ITIN

Applying for an ITIN is a straightforward process. It involves completing Form W-7 and providing necessary identification documents. The IRS processes these applications, usually within 6 weeks, providing a pathway for non-citizens to comply with U.S. tax laws and access financial services like mortgages.

Understanding ITIN Loans at Federal Hill Mortgage

Our ITIN Loan Program is crafted for individuals who do not have an SSN. Here are the key highlights:

  • Minimum Credit Score: A credit score of at least 640 is required.
  • Legal Residency Documentation: Applicants must legally reside in the USA.
  • Property Types: This loan is available for first-time homebuyers, refinancing, and even investment properties.
  • Competitive Interest Rates: Our rates are comparable to those offered to individuals with SSNs.

Benefits of ITIN Loans

ITIN loans provide an opportunity for homeownership to those who might otherwise be excluded. They open doors to building credit history and offer flexible terms to suit diverse financial situations

How to Apply

Applying for Our ITIN Loan Program is Easy:

  1. Check Eligibility: First, confirm that you meet our criteria, including the required credit score and legal residency in the U.S.
  2. Get in Touch: Reach out to our dedicated loan officers. Spanish-speaking applicants can directly contact Bryan Melendez for personalized assistance.

Begin your path to homeownership today with Federal Hill Mortgage’s ITIN Loan Program. Ready to learn more or start your application? Simply click here to get started with our easy online application. Spanish-speaking applicants, we’ve got you covered with guidance in Spanish. Don’t wait, your dream home is within reach!

Common questions about ITIN Loans

  • Yes, you can obtain a home loan using an ITIN number. Our Federal Hill Mortgage ITIN Loan Program is specifically designed for individuals without Social Security Numbers who are seeking homeownership.

  • Eligibility requirements include a minimum credit score of 640, legal residency in the USA, and specific documentation. The program caters to first-time homebuyers, refinancing needs, and investment properties.

  • At Federal Hill Mortgage, the interest rates for ITIN loans are competitive and comparable to those for individuals with SSNs, ensuring affordability and fairness.

  • Yes, non-citizens legally residing in the USA can apply for our ITIN Loan Program, provided they meet the other eligibility criteria.

  • Yes, a down payment is required. The specific amount varies depending on the loan type and borrower's financial situation. Applicants can discuss their options with our loan officers for detailed information.

  • Our ITIN loans can be used for various property types, including single-family homes, condos, and multi-unit properties. Investment properties are also eligible with a 20% down payment.

  • Applicants need to provide their ITIN number, credit score information, legal residency documentation, and any other relevant financial records.

  • The duration can vary based on individual circumstances and the completeness of the application. Our team works diligently to process applications efficiently.

  • Yes, our program includes options for refinancing existing mortgages, making it a versatile choice for various homeownership goals.

  • Yes, we provide dedicated support for Spanish-speaking applicants. If you prefer assistance in Spanish, please feel free to contact our Spanish-speaking loan officer, Bryan Melendez, directly. You can reach him via email at [email protected] or by phone at (443) 537-1239. Bryan is ready to assist you with all your queries and guide you through the ITIN loan application process.

Federal Hill Mortgage

Federal Hill Mortgage

The Federal Hill Mortgage Team is here to supply you with all the information you need to shop for a mortgage that's right for you.