ITIN Mortgage Loan Program
Homeownership is possible – even without a Social Security Number.
At Guardian Mortgage, we believe hardworking families deserve the chance to own a home. Our ITIN Loan Program helps borrowers who file taxes with an Individual Taxpayer Identification Number (ITIN) purchase or refinance a home.
And self-employed borrowers to qualify without heavy income documentation or strict debt-to-income requirements.
Lets Take a look at each Options
Why Choose Our ITIN Loan?
- ✅ No Social Security Number Required – apply with your ITIN
- ✅ No Legal Status Needed – visa, work permit, or passport not required (expired passport is okay)
- ✅ Flexible Loan Options – full documentation, bank statements, or DSCR programs available
- ✅ High Loan-to-Value – up to 89% financing (with qualifying credit)
- ✅ Low Credit or No Credit? That’s okay — programs available with no FICO or less than 660
- ✅ Co-Borrower Allowed – you may apply with someone who has an SSN
- ✅ Self-Employed or W2 Workers – income can be verified in different ways
- ✅ Build Equity & Stability – stop renting and start owning your home
Program Options at a Glance
- Full Documentation – Up to 89% LTV (720 credit needed for max LTV)
- 24-Month Bank Statement Program – Up to 85% LTV
- 12-Month Bank Statement Program – Up to 85% LTV
- DSCR (Investor) Loans – Up to 65% LTV
Identification Needed
- Government-issued photo ID (Driver’s License or State ID)
- ITIN letter or ITIN card
- Passport (expired or missing is acceptable – exceptions allowed)
Other Highlights
- DTI (Debt-to-Income) ratios up to 50%
- ITIN borrowers can apply with SSN co-borrowers
- Tradelines: one 24-month or two 12-month accounts
- Owner-occupied homes only
Why Work With Guardian Mortgage?
- 🏠 Specialized programs designed for ITIN borrowers
- 💡 Expert guidance from application to closing
- 🔑 Flexible solutions for first-time buyers or refinancing
- 🤝 Personalized service you can trust
Ready to Get Started?
With Guardian Mortgage’s ITIN Loan Program, homeownership is within reach — even without a Social Security Number or legal residency.
📩 Apply Online Today
📞 Talk to a Loan Officer
👉 Guardian Mortgage – Opening doors to homeownership, one family at a time.