— NON-QM LOAN PROGRAMS
ITIN Loan
Programs
Mortgage solutions for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number (ITIN).
— ABOUT NON-QM LOANS
ITIN Loan
Programs
Pacific Home Loans structures ITIN mortgage programs for borrowers who have demonstrated financial responsibility through consistent tax filing, documented income, and established credit behavior. We have been closing ITIN loans since 2018, and our team understands how to evaluate these files, work with the right Non-QM investors, and guide borrowers through every step of the process.
— PROGRAM DETAILS
What is an
ITIN Loan?
An ITIN loan is a non-agency mortgage program that allows eligible borrowers to qualify using a valid Individual Taxpayer Identification Number instead of a Social Security Number. These programs are specifically designed for individuals who:
- File U.S. federal tax returns using an IRS-issued ITIN
- Do not have, or are not eligible for, a Social Security Number
- Have documented income through employment or self-employment
- Have established a credit profile and responsible payment history
ITIN loans are not conventional loans. They are structured through specialized Non-QM investor programs that recognize the creditworthiness of ITIN borrowers who meet documentation and underwriting standards.
— PROGRAM DETAILS
Who ITIN Loans
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
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.
