Foreign National & Non-U.S. Citizen Mortgages in Burbank and Glendale
Purchase property in California with flexible mortgage solutions for foreign nationals and non-U.S. citizens. Corbett Uzel helps international buyers secure financing in Burbank, Glendale, and throughout the state, offering personalized guidance and programs designed to make homeownership in the U.S. accessible, straightforward, and stress-free.
ITIN Loans
What Are ITIN Loans?
ITIN loans are mortgage programs designed for non-U.S. citizens and foreign nationals who do not have a Social Security Number but have a valid Individual Taxpayer Identification Number (ITIN). These loans offer financing for homebuyers who live and work in the U.S. but do not qualify for traditional mortgage programs.
Who Can Benefit from an ITIN Loan?
ITIN loans are ideal for immigrants, foreign nationals, self-employed workers, and individuals without legal residency status who want to buy a home. If you have an ITIN, steady income, and a down payment, you may qualify for a mortgage even without U.S. citizenship or a Social Security Number.
How Do ITIN Loans Work?
Unlike conventional loans that require a Social Security Number, ITIN loans allow borrowers to qualify using their ITIN, bank statements, tax returns, and proof of income. Lenders assess financial stability based on employment history, creditworthiness, and down payment amount.
What Types of Mortgages Are Available with ITIN Loans?
ITIN loans are available as fixed-rate and adjustable-rate mortgages (ARMs). Some lenders offer portfolio loans for borrowers with unique financial situations. These loans can be used for primary residences, second homes, and investment properties, depending on lender guidelines.
What Are the Benefits of an ITIN Loan?
ITIN loans provide a homeownership path for non-U.S. citizens who may not qualify for traditional loans. They offer flexible credit requirements, alternative income verification, and competitive loan terms. Borrowers can finance single-family homes, multi-unit properties, and condos.
Is an ITIN Loan Right for You?
If you have an ITIN, proof of income, and a down payment, an ITIN loan can help you achieve homeownership. Whether you’re a first-time homebuyer or looking to invest in property, ITIN loans offer an opportunity to secure mortgage financing without a Social Security Number.
Why Choose Us for Your ITIN Loan?
We specialize in helping non-U.S. citizens and ITIN holders secure mortgage financing. Our lenders offer customized loan programs designed for borrowers without a Social Security Number, making homeownership more accessible.
From loan pre-qualification to closing, our team ensures a seamless mortgage process with flexible options for foreign nationals, self-employed borrowers, and first-time homebuyers. We work with top lenders offering competitive rates, alternative income verification, and fast approvals.
If you’re looking for an ITIN loan to buy or refinance a home, contact us today to explore your options and take the next step toward homeownership!
ITIN mortgage FAQs
An ITIN is a tax identification number, not a loan approval. These answers explain what to clarify about documentation and available programs before pursuing a California mortgage with Corbett.
What is an ITIN mortgage program?
It is a lender program that may accept an Individual Taxpayer Identification Number instead of a Social Security number for an eligible borrower. The ITIN alone is not sufficient: the lender also reviews identification, income, credit, funds and the property under its current requirements.
Does getting an ITIN change immigration or work status?
No. The IRS issues ITINs for federal tax purposes. An ITIN does not grant immigration status, authorize employment or establish mortgage eligibility. Ask a qualified immigration professional about immigration questions; the mortgage review addresses the lender’s financing requirements.
Is an ITIN accepted by every lender or mortgage program?
No. Acceptance and documentation requirements are program-specific. Ask Corbett whether a currently available program fits your circumstances before paying application-related costs. Do not assume an ITIN can be substituted for an SSN on any conventional or government-backed application.
What documents might I need?
Expect a lender-specific checklist covering the ITIN, acceptable identity documents, income, housing history and funds for closing. Self-employed applicants may need business records as well. Use a secure document channel and ask how to handle expired or recently renewed documents before submitting them.
Is there a standard ITIN loan down payment or credit score?
There is no single industry-wide minimum that applies to every program. Requirements can change with the lender, property and documentation. Ask for a written scenario review, including reserves and closing costs, rather than relying on a generic advertised threshold.
Can an ITIN borrower refinance or buy an investment property?
Some lender programs may allow these transactions, while others limit occupancy or loan purpose. Have Corbett check the actual scenario and current availability. Approval for one kind of purchase does not establish eligibility for a different property use or refinance.
How should I compare the cost of an ITIN loan?
Review the interest rate, repayment term, upfront fees, required cash and any payment changes or prepayment terms. Ask which written disclosures apply to your loan. Be cautious about promises of guaranteed approval made before the lender has reviewed the required records.
Information checked September 7, 2026. Further reading: IRS: ITIN guidance.