ITIN Mortgage Loans To Buy A House. From a San Diego Lender.
An ITIN is enough to buy a home. Loans from $150,000 to $1.5 Million for a primary residence or a single unit second home, qualified with an Individual Taxpayer Identification Number instead of a Social Security number. Credit starts at a 660 score with at least one program.
No Social Security number required, just your ITIN number.
However you file your taxes, there’s likely a path that fits.
- Loans from $150,000 to $1.5 Million
- Individual Taxpayer Identification Number accepted
- Buyers without a Social Security number
- Purchase or refinance a primary residence or second home
- Purchase, rate-and-term refinance, and cash-out available
- Fixed rate options
- Financing is reduced by 5% on two to four unit properties and condominiums*
Loans from $150,000 to $1.5 Million
Individual Taxpayer Identification Number accepted
Primary residence or single unit second home
Single-family residences eligible
Purchase, rate-and-term refinance, or cash-out
Fixed rate options
What is the Saxton ITIN Home Loan?
A home loan for buyers who file with an ITIN
The Saxton ITIN Home Loan lets buyers who file taxes with an Individual Taxpayer Identification Number finance a primary residence or a single unit second home.
Loans run from $150,000 to $1.5 Million. Primary residence purchases and rate-and-term refinances generally start around a 680 credit score, and cash-out and second home transactions generally start around a 700 credit score.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a single-family residence. Two to four unit properties are not eligible as a second home.
Why choose Saxton, a San Diego ITIN lender?
Built for buyers who pay taxes with an ITIN and are ready to own.
First Home Purchase
Buy your first home using the tax identification number you already file with.
Growing Families
Move into more space without a Social Security number on the application.
Long-Time Renters
Turn years of rent payments into ownership.
Second Home Buyers
Finance a single unit second home with the same identification.
Equity You Have Built
Access equity you have already built in your home.
Fixed Rate Options
Choose from fixed rate options built for steady payments.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the ITIN Home Loan.
A home loan for buyers who file taxes using an Individual Taxpayer Identification Number rather than a Social Security number.
No. An Individual Taxpayer Identification Number is accepted on this program.
Loans run from $150,000 to $1.5 Million on this program.
Purchases and rate-and-term refinances on a primary residence start at a 660 credit score with at least one program, and at 680 with others. Cash-out refinancing on a primary residence starts at 700. Second home purchases and rate-and-term refinances start at 700, and second home cash-out at 720. Most programs require at least two valid credit scores, but at least one program can qualify an ITIN borrower with no qualifying credit score, using alternative credit with a documented payment history, on loans up to $750,000.
Single-family residences. Two to four unit properties are not eligible as a second home.
Yes. Cash-out refinancing is available, and generally starts around a 700 credit score with additional reserve requirements.
No. This program covers a primary residence and a single unit second home. Saxton offers separate programs for investment property.
Yes. Saxton Mortgage is headquartered in San Diego, California, and we are licensed to lend in California along with most other states. ITIN financing is one of our most requested programs across Southern California. Call (800) 432-1154 to confirm we are licensed in your state.
Yes. An Individual Taxpayer Identification Number is enough to buy a home here, used in place of a Social Security number. It is the same process a borrower with an SSN goes through: credit, income, assets, appraisal and a closing. The identification number is the part that differs, not the loan.
No Social Security number is required, which is the whole point of the program. What documentation is used to show income depends on how you are paid, and tax returns filed under your ITIN are one of the ways to do it. Tell us how you earn and we will tell you which documents your file needs.
Find out what you qualify for
Whether you’re buying your first home here or refinancing the one you own, there’s likely a Saxton ITIN Home Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.