Sunrise Banks Pathway2Home ITIN Mortgages: How to Get a Mortgage Without a Social Security Number

Sunrise Banks Pathway2Home ITIN Mortgage

The Sunrise Banks Pathway2Home program allows eligible borrowers to receive a home loan without a social security number. Instead, borrowers can use their ITIN (Individual Tax Identification Number).  

Homeownership is key for anyone hoping to attain the American Dream – including individuals who are not U.S. citizens.

You may be surprised to learn that a social security number is not required to receive a home loan when you apply for an ITIN mortgage. ITIN mortgages are designed for non-citizens interested in purchasing a home. Sunrise Banks Pathway2Home ITIN mortgage program offers mortgages without an SSN (social security number) to eligible borrowers using their Individual Tax Identification Number (ITIN).

Let’s take a look at this type of loan to learn who is eligible and how to apply.

What is an ITIN?

Before we learn about ITIN mortgages, let’s first start with learning about ITINs. An ITIN is a unique identification number, assigned for tax-processing purposes. The nine-digit number resembles a Social Security number except for the fact that all ITIN numbers and only ITIN numbers start with the number nine.

Because both residents and nonresidents can have U.S. tax payment responsibilities, you can receive an ITIN card regardless of immigration status.

The Internal Revenue Service issues ITIN cards to individuals who are ineligible for a Social Security number. You can receive an ITIN card regardless of immigration status because residents and nonresidents can have U.S. tax payment responsibilities. If you are interested in homeownership but are not eligible for a Social Security number, the first step is to obtain an ITIN card.

Visit the IRS website for more information about how to obtain an ITIN card, as well as form W-7 to apply for an ITIN number Off Site Link.

What are ITIN Mortgages?

ITIN mortgages, like those offered through the Sunrise Banks Pathway2Home program, are loans made available to individuals who are not able to obtain a Social Security card, but who do have an ITIN card.

The process for obtaining an ITIN mortgage is similar to the process for obtaining a conventional mortgage. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the lender’s eligibility requirements.

ITIN Mortgage Qualifiers: Can You Get a Mortgage Without a Social Security Number?

While credit requirements for an ITIN mortgage are more flexible than for a conventional mortgage, applicants must still meet certain qualifications to successfully obtain the loan. If you’ve been wondering, “Can I get a mortgage without a social security number?” it’s important to note that specific qualifications vary between lenders, but generally cover the following areas:

Employment: Most borrowers are required to show that they have been employed for at least two years.

Tax returns: Borrowers will likely be required to provide two years’ worth of tax returns.

Down payments: Your down payment is the amount of money you pay upfront for your house. This is paid in cash and goes toward the total mortgage amount. ITIN mortgages are seen as riskier loans than conventional mortgages. Because of the risks, borrowers can get ITIN loans with 10% down, while a borrower who’s getting a conventional loan might only have to put require putting down 3% down. The exact number will depend on the specific lender and the borrower’s credit score.

Credit score: While it is possible to apply for a loan without a credit score, many ITIN mortgage lenders are looking for a minimum score of 600. Sunrise Banks requires a minimum credit score of 670.

Picture ID: Acceptable forms of picture ID can include a passport, driver’s license, or Matricula Consular – an identity card that some consulates issue to their citizens residing outside of their home countries.

Applying for an ITIN Mortgage

Are you interested in homeownership but don’t have access to traditional home loans? If you have an ITIN number, the next step in applying for an ITIN mortgage is finding a lender that processes ITIN mortgages. Do your research and compare programs.

Once you find a lender who is right for you, you can begin the pre-approval process. Seeking pre-approval will make buying a home easier as you’ll know how much money you can borrow and you’ll be able to move quickly when you find the property that’s right for you.

Sunrise Banks Helps You Take the Next Step in Homeownership

At Sunrise Banks, we believe homeownership should be an option for everyone. We are proud to offer the Sunrise Banks Pathway2Home ITIN mortgage program.

As a non-citizen with an ITIN number, you may be eligible to take advantage of the following ITIN mortgage benefits that Sunrise has to offer:

  • Seller can pay your closing costs, which are costs associated with closing your mortgage deal
  • Compatible with gift from family member
  • Lender credits, which can help minimize closing costs, may be available
  • Down payment and grant programs can be used to help offset costs

Participants in Sunrise Banks' ITIN mortgage programs must take a homebuyer education class and be able to secure 10% in down payment money.

If you have established credit, reliable income, are able to make mortgage payments on time, and need to obtain a mortgage without a Social Security number, an ITIN mortgage could be right for you. Start the application process today by contacting a Sunrise Banks mortgage loan officer.

Not sure if a Pathway2Home ITIN Mortgage is right for you? View other loan options.

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