Foreign National & ITIN Loans

A U.S. mortgage without a Social Security number, a U.S. credit score, or permanent residency.

Whether you’re a DACA recipient, an ITIN taxpayer without an SSN, or a non-resident investor buying U.S. property, there’s a path to financing — and the right one depends on your immigration status, not on whether you fit a traditional box.

Foreign national & ITIN loans terms at a glance

Up to ~85%

DACA & non-permanent resident LTV

$3M+

maximum loan amount

Up to ~80%

ITIN borrower LTV

Up to ~75%

foreign national LTV

No SSN

ITIN accepted

No U.S. credit

foreign nationals OK

All figures shown are maximums, with exceptions considered case-by-case. Final terms are quoted per deal and depend on your status, the property, and the program that fits your file.

Three paths, depending on your status

DACA & non-permanent residents (EAD)

If you hold a valid Employment Authorization Document — including DACA recipients — you’re treated as a non-permanent resident, close to a U.S. citizen for lending purposes. That means owner-occupied financing, full or alternative income documentation, and loan-to-value up to roughly 85% — not the restricted terms non-residents face. DACA recipients can absolutely buy a home.

ITIN borrowers (no SSN)

If you file taxes with an Individual Taxpayer Identification Number instead of a Social Security number, you can still qualify — up to roughly 80% of value — across full-doc, bank-statement, and DSCR programs. A valid ITIN and standard income or asset documentation are all that’s required.

Foreign nationals (non-resident)

If you live outside the U.S. and are buying investment or second-home property here, financing is available up to about 75% of value with no U.S. credit score required. These programs are built around the property and your global profile rather than a domestic credit history.

What these loans can do

  • Qualify with no Social Security number (ITIN) or no U.S. credit score (foreign national)
  • DACA and work-authorized residents: owner-occupied financing up to ~85% of value
  • ITIN borrowers: up to ~80% of value on full-doc, bank-statement, or DSCR programs
  • Non-resident foreign nationals: up to ~75% of value on investment and second homes
  • Loan amounts to $3,000,000+
  • Full-doc, bank-statement, asset, and DSCR documentation paths all available

Every figure above is a program maximum, not a guarantee — your actual terms depend on your status, the property, and the documentation you can provide. We’ll quote real numbers once we see your file.

How it works

  • Tell us your status — DACA/EAD, ITIN, or non-resident foreign national.
  • We match you to the path with the strongest terms your status allows.
  • You document income or assets the standard way for that program — SSN and U.S. credit are not always required.
  • You get a clear, written approval and close on your timeline.

Not sure which path is yours? Tell us your situation and we’ll point you to the right program — these sit alongside our other non-QM lending options, including DSCR and bank statement loans.

Get Pre-Approved

Frequently asked questions

Can DACA recipients buy a house?

Yes. DACA recipients qualify as non-permanent resident aliens using a valid Employment Authorization Document (EAD). You can buy an owner-occupied home on near-standard terms — full income documentation and competitive loan-to-value — not the restricted terms applied to non-resident foreign nationals.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. ITIN borrowers qualify without a Social Security number using a valid ITIN, with financing up to roughly 80% of value across full-doc, bank-statement, and DSCR programs.

Can a foreign national get a U.S. mortgage?

Yes. Non-resident foreign nationals can finance U.S. property — typically investment or second homes — up to about 75% of value, with no U.S. credit score required.

Do I need a U.S. credit score?

Not necessarily. Foreign nationals can qualify with no U.S. credit history. ITIN and DACA borrowers who have built U.S. credit can use it for stronger terms, and alternative credit references are accepted where a score isn’t available.

What’s the difference between DACA, ITIN, and foreign national loans?

DACA and other work-authorized non-permanent residents get near-standard terms (up to ~85% of value). ITIN borrowers without an SSN qualify up to ~80%. Non-resident foreign nationals finance up to ~75%, usually for investment or second homes.

Your status shouldn’t stand between you and a home loan. Tell us where you stand and we’ll show you the path that works.

Get Pre-Approved