— NON-QM LOAN PROGRAMS
ITIN Loan
Programs
Mortgage solutions for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number (ITIN) across all markets where Pacific Home Loans is licensed.
— ABOUT NON-QM LOANS
Hawaii ITIN Loan
Programs
For individuals living and working in Hawaii who do not have a Social Security Number, homeownership may still be possible. An ITIN loan is designed for borrowers who file U.S. tax returns using an Individual Taxpayer Identification Number issued by the Internal Revenue Service for tax reporting purposes. Pacific Home Loans structures ITIN financing solutions for qualified borrowers purchasing property throughout Maui, Oahu, Kauai, and the Big Island.
Multi-State Availability
Pacific Home Loans provides ITIN financing solutions in multiple states, including Hawaii, California, Nevada, and other markets where we are licensed. While this page focuses on Hawaii-specific guidance, these programs may be available in other states depending on borrower profile, property location, and investor guidelines.
— PROGRAM DETAILS
What is an
ITIN Loan?
An ITIN loan allows eligible borrowers to qualify for a mortgage using a valid ITIN issued by the IRS, documented U.S. tax returns, verified income and employment or business income, and an established credit profile. These loans are not conventional agency loans and are structured through specialized non-agency investor programs.
— PROGRAM DETAILS
Who These Programs
Are Designed For
ITIN loans may be appropriate for:
- Borrowers who file U.S. tax returns using an ITIN
- Individuals without a Social Security Number
- Self-employed borrowers with documented business income
- Employed borrowers with verifiable income
Borrowers must demonstrate a responsible tax filing history and the ability to document income under investor guidelines.
Income Documentation Requirements
Documentation requirements vary by program and borrower profile.
Employed Borrowers
- U.S. 1040 tax returns
- Income verification documentation
Self-Employed Borrowers
- 12 months of business bank statements, in many programs
- Business income documentation
- U.S. tax returns
Additional documentation may be required based on underwriting guidelines and investor overlays.
Program Highlights
All loans remain subject to underwriting review and investor approval.
— SPECIALIZED FINANCING
Property &
Condominium Considerations
Eligible Property Types in Hawaii
ITIN loan eligibility may include single-family homes, condominiums, and site condominiums including CPR properties. Property eligibility depends on investor guidelines, project review standards, and zoning compliance.
Condominium Considerations
If purchasing a condominium, project-level review may be required evaluating project insurance coverage, owner occupancy ratios, litigation exposure, HOA financial stability, and reserve requirements. Not all condominium projects qualify under all ITIN programs. If a property falls outside standard ITIN program guidelines, structured alternatives may be available.
For condominium projects requiring specialized review:
→ PrimeResort™ Condo Financing
→ Portfolio Loans
— NON-QM LENDING
How ITIN Fits Into the
PHL Lending Platform
Traditional Agency Financing – used when borrower eligibility meets standard requirements
↓
Alternative Documentation (Non-QM) – used for specialized borrower profiles such as ITIN qualification
↓
Portfolio Lending Solutions – used for high-value or complex transactions requiring advanced structuring
→ Portfolio Loans & Flexible Financing Solutions
Compliance & Important Information
ITIN loans are non-agency mortgage products that may carry higher interest rates than conventional loans and may require larger down payments. They require verified U.S. tax filing history and are subject to underwriting guidelines and investor overlays. Qualification and approval depend on borrower documentation, credit profile, property eligibility, and investor criteria.
