Empowering Your Homeownership Dreams, No SSN Required

ITIN loans from Federal Hill Mortgage offer a unique opportunity for individuals without a Social Security Number to achieve homeownership. Our program is tailored to meet the needs of the Spanish-speaking community, ensuring a smooth and inclusive path to owning your dream home.

Considering a ITIN Loan?
Federal Hill Mortgage is Your Trusted Partner.

Access the Best Rates

When you choose us, we use our extensive network of lending partners to guarantee you the best rates available. We streamline the process, ensuring that you receive the most advantageous rates and save you both time and money on your home purchase.

Same-Day Pre-Approvals

Step into the fast lane with our same-day pre-approvals. Many of our clients find themselves pre-approved in the same day, setting the stage for a smooth home-buying experience.

24/7 Support Tailored for You

We value your time and know that questions can arise at any moment. That's why our phone lines are open around the clock, ensuring you always have a dedicated team ready to assist with any inquiries or concerns.

We shop the best lenders and rates, so you don't have to.

Leveraging our expansive network of top lenders, we eliminate the need for you to shop around. Our rates are not only competitive but come with the trust and expertise of a seasoned team with over 18 years in the industry. Your dream home is just a decision away.

Understanding the Benefits

ITIN Loan Features:

  • Competitive Interest Rates

    Enjoy some of the most attractive interest rates in the market with conventional loans.

  • Diverse Loan Terms

    Choose from a variety of loan durations, from 10 to 30 years, to find the perfect fit for your financial situation.

  • Streamlined Refinancing

    Benefit from the option to refinance your mortgage with ease, potentially lowering your monthly payments.

  • Higher Loan Limits

    Conventional loans often come with higher loan limits, allowing you to purchase a more expensive home if desired.

Wondering If a ITIN Loan Fits Your Needs?

ITIN loans are ideal for individuals without a Social Security Number who dream of owning a home. Our program is specifically designed to cater to the Spanish-speaking community, offering a sense of belonging and understanding. With Federal Hill Mortgage, you're not just getting a loan; you're gaining a partner who respects and understands your unique journey towards homeownership. Let us guide you home.

Chat with a Loan Expert

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 team member, 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.