No Social Security number? With an ITIN and a steady work history, homeownership is still within reach.
An ITIN loan lets borrowers who file taxes with an Individual Taxpayer Identification Number — rather than a Social Security number — buy or refinance a home. It's a path to ownership for hardworking residents who've been told “no” simply for lacking an SSN.
We work with lenders who underwrite ITIN borrowers every day and document income and credit through real-world records, so a thin or non-existent traditional credit file doesn't end the conversation.
Use your ITIN, work history and tax filings to qualify.
Buy your family's first home without a Social Security number.
Document income through bank statements and letters when needed.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
Yes. ITIN mortgage programs are designed exactly for borrowers who file taxes with an ITIN.
Not always a traditional one — many programs accept alternative credit such as rent, utilities and insurance. We'll review what you have.
Typically your ITIN, proof of income and work history, and identification. We'll give you a clear checklist.
ITIN loans serve residents with a U.S. tax ID; foreign national loans serve non-residents.
On qualifying programs, yes. To buy a home you'll live in, ITIN loans follow our consumer lending footprint (Rhode Island, Massachusetts, Pennsylvania, Florida and Alabama). Structured as a business-purpose investor loan, the available footprint can be wider — ask us about your state and the property.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.