Can I get an ITIN mortgage with no credit score?

Some lenders accept other payment history, such as rent and utility bills. Ask each lender what it accepts.

Can I buy with a co-borrower who has a Social Security number?

Yes, in many cases. The loan options depend on everyone on the application, so ask the lender to review both.

Are ITIN loans legal?

Yes. Lenders can offer them. They must still follow federal lending laws, including the duty to check your ability to repay.

Mortgages for ITIN borrowers

Some lenders offer mortgages to borrowers who file taxes with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. These are usually non-QM portfolio loans, not government backed loans, and terms vary widely by lender.

What to expect

A larger down payment and higher rate than many standard loans.
Proof of income through tax returns filed with your ITIN, and a history of on time payments.
Only some lenders offer these loans. Ask directly whether a lender has an ITIN program.

Government programs

Since May 25, 2025, FHA loans are limited to U.S. citizens and lawful permanent residents under HUD Mortgagee Letter 2025-09.
Check any state or city down payment program's own residency rules before you apply.
A HUD approved housing counselor can review options with you for free or at low cost.

Questions people ask

Can I get an ITIN mortgage with no credit score?: Some lenders accept other payment history, such as rent and utility bills. Ask each lender what it accepts.
Can I buy with a co-borrower who has a Social Security number?: Yes, in many cases. The loan options depend on everyone on the application, so ask the lender to review both.
Are ITIN loans legal?: Yes. Lenders can offer them. They must still follow federal lending laws, including the duty to check your ability to repay.

Official sources

Facts checked 2026-11-01. General information, not financial, legal or tax advice. We are not a lender.

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