In short
An ITIN loan is a non-QM mortgage for borrowers who have an IRS Individual Taxpayer Identification Number instead of a Social Security number. It uses your ITIN, tax filings and income documents to qualify. At Waymaker Mortgage Company, the minimum credit score is 660, and no-score files are reviewed case by case.
Reviewed by Scottie Campbell, NMLS #1610726 · Last updated October 18, 2026
What is an ITIN loan?
An ITIN loan is a non-QM mortgage for borrowers who don't have a Social Security number but do have an Individual Taxpayer Identification Number issued by the IRS. Instead of an SSN, the loan uses your ITIN along with your tax filings, income documents and credit history. With Waymaker Mortgage Company, the minimum credit score is 660, and files with no credit score are reviewed case by case.
Key takeaways
You work hard. You pay your taxes. You've built a life here, and you want a home that's yours instead of paying rent every month. Too often, people with an Individual Taxpayer Identification Number hear that a mortgage just isn't possible. That isn't true. An ITIN loan is built for exactly this situation. I'm Scottie Campbell, Mortgage Advisor and owner of Waymaker Mortgage Company, and I believe people want a hand up, not a hand out. Let me show you the path.
A Real Path to Owning a Home
The IRS issues ITINs to people who need to file U.S. taxes but aren't eligible for a Social Security number. Millions of people use one to work, run businesses and pay taxes every year. Many of them are excellent candidates for homeownership, but government-backed and most conventional loans require a Social Security number.
An ITIN loan fills that gap. What that means for you is that your tax history, your income and your track record of paying bills can qualify you for a mortgage, the same way they qualify anyone else.
Credit: 660, or Case by Case With No Score
The minimum credit score for an ITIN loan with Waymaker Mortgage Company is 660. Plenty of ITIN holders have built U.S. credit through credit cards, auto loans or other accounts, and that history helps.
If you don't have a credit score yet, that's not automatically a stop. Files with no score are reviewed case by case. Investors may look at things like:
- Rent payment history, shown through cancelled checks, bank statements or a landlord letter
- Utility and phone bills paid on time
- Other recurring payments, such as insurance or a car payment
You are not being judged for how you built your history. We just need to show it clearly.
Who I Help With ITIN Loans
In Georgetown, TX and across Texas, Florida, Pennsylvania and Ohio, ITIN loans fit people like:
- Wage earners who have filed taxes with an ITIN and want to stop renting
- Self-employed workers and small business owners in construction, landscaping, cleaning, food service, trucking and other trades
- Families where one spouse has an SSN and the other has an ITIN, and the household needs both incomes to qualify
- Current homeowners who bought with cash or private financing and now want to refinance
How Income Is Documented
ITIN programs usually offer more than one way to show income, depending on how you earn:
| How you earn | How income is often shown |
|---|---|
| Paid by an employer | Pay stubs, W-2s and tax returns filed with your ITIN |
| Self-employed | Tax returns, or business or personal bank statements on some programs |
| Mixed income | A combination, reviewed together |
Most investors want to see a history of filing taxes with your ITIN. I'll tell you exactly which documents fit your situation before you start gathering paperwork.
What Else You'll Need
- Your ITIN letter from the IRS and a current, valid ITIN
- Government-issued photo ID, such as a passport or consular ID
- Down payment funds in a bank account, with a clear record of where the money came from
- Reserves after closing, depending on the program
- Property information for the home you're buying
Expect a larger down payment than a first-time buyer program like FHA, since ITIN loans don't have government backing. Each investor sets its own down payment and reserve rules, and because I work with multiple investor partners, I can take your file to the one whose guidelines fit you best.
How I'll Help You Get There
First, we build your Mortgage Action Plan: where you are today, what you want to buy and what needs to happen to get there. Then I run a Total Cost Analysis so you can see what the home costs over the time you plan to live in it, not just the first payment.
When your file is ready, I pre-underwrite as much of it as possible for a Greenlight Approval. That way, when you find the right house, a seller knows your financing is solid.
And if you're not quite ready, that's okay. Can't do it now doesn't mean can't do it ever. I'll give you a clear list of steps, whether that's building credit, saving reserves or filing another year of taxes, and I'll check in as you go.
About Pricing
ITIN loans are priced by the investor based on your credit, down payment and documentation. Your rate depends on your scenario and the day's market. Reach out and I'll price it for real.
Let's Start the Conversation
It's never a no. It's always a how. You're talking to the owner of this company, and I'll treat your file with the same care I'd want for my own family. Feel free to text me, and let's get you rocking and rolling toward a home of your own.
Information on this page is general and educational. It is not a commitment to lend or an offer of credit. Programs, guidelines and eligibility change and depend on your full scenario. Waymaker Mortgage Company, NMLS 2440476. Equal Housing Lender.
Quick facts
- Loan type
- Non-QM ITIN mortgage
- Minimum credit score
- 660; no-score files reviewed case by case
- ID required
- Valid ITIN plus government-issued photo ID
- Income documents
- Tax returns, W-2s, pay stubs or bank statements (program dependent)
- Loan purpose
- Purchase or refinance
- Licensed states
- Texas, Florida, Pennsylvania, Ohio
Is this loan right for you?
Who it's for
- Workers who file taxes with an ITIN and want to stop renting
- Self-employed ITIN holders and small business owners
- Mixed households where one spouse has an SSN and the other has an ITIN
- ITIN homeowners who want to refinance
Who it may not fit
- Borrowers who have not been filing taxes with their ITIN
- Buyers with no savings for a down payment yet (let's build a plan first)
- Borrowers with a Social Security number who may qualify for FHA, VA, USDA or conventional loans
Pros and cons
Pros
- No Social Security number required
- Several ways to document income, including bank statements on some programs
- No-score files reviewed case by case
- Works for purchases and refinances
- Multiple investor partners to match your file
Trade-offs to weigh
- Larger down payment than government-backed programs
- Requires a history of filing taxes with your ITIN
- Not eligible for FHA, VA or USDA programs
Frequently asked questions
Can I get a mortgage without a Social Security number?
Yes. If you have a valid ITIN and have been filing taxes with it, an ITIN loan may let you buy or refinance a home. The loan uses your ITIN in place of a Social Security number.
What credit score do I need for an ITIN loan?
The minimum is 660. If you don't have a credit score at all, your file can still be reviewed case by case using things like rent, utility and phone payment history.
How many years of tax returns do I need?
Most investors want to see a history of filing taxes with your ITIN, and the exact requirement depends on the program and how you earn. I'll tell you what applies to you before you gather documents.
I'm self-employed and paid in cash. Can I still qualify?
Possibly. Some ITIN programs let self-employed borrowers use bank statements to show income. Deposits need to be in a bank account and consistent. Let's look at your statements together and see what fits.
Can my spouse and I apply together if only one of us has an SSN?
In many cases, yes. Mixed households are common, and combining incomes can help you qualify. I'll walk through the options with both of you.
What will my rate be?
Your rate depends on your scenario and the day's market. Reach out and I'll price it for real.
Related loan programs
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Flexible credit, low down payment, and dozens of assistance programs. I'll show you how FHA fits your plan, then you decide.
No monthly mortgage insurance, no minimum credit score on my end, and VA loans funded in house by Waymaker Mortgage Company with underwriting through multiple investors.
Last updated October 18, 2026 · Reviewed by Scottie Campbell, NMLS #1610726. This page is educational and not a commitment to lend; program details change — ask for current figures.