{"id":491,"date":"2026-06-03T13:57:26","date_gmt":"2026-06-03T13:57:26","guid":{"rendered":"https:\/\/kennedymtg.com\/?page_id=122"},"modified":"2026-06-04T13:16:25","modified_gmt":"2026-06-04T13:16:25","slug":"itin-loans","status":"publish","type":"page","link":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/","title":{"rendered":"ITIN Loans"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>One-line summary: Mortgage loans for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number, designed for borrowers without SSN but with established U.S. tax history.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Best for<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Borrowers without a Social Security Number who file taxes with an ITIN, including many immigrants and non-residents with U.S. tax-filing history. These borrowers typically can&#8217;t access conventional, FHA, or VA financing despite having stable income and U.S. tax compliance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key terms (typical)<\/h3>\n\n\n\n<figure class=\"wp-block-table table-label-value\"><table><thead><tr><th>Attribute<\/th><th>Typical Range<\/th><\/tr><\/thead><tbody><tr><td>Eligible borrowers<\/td><td>Borrowers with valid ITIN; typically two years of U.S. tax filings<\/td><\/tr><tr><td>Eligible properties<\/td><td>1\u20134 unit primary, second home, or investment<\/td><\/tr><tr><td>Down payment<\/td><td>15\u201325% typical<\/td><\/tr><tr><td>Credit<\/td><td>U.S. credit history preferred; some programs use alternative credit references (rent, utilities, international credit)<\/td><\/tr><tr><td>Loan amount<\/td><td>Up to $1M+ depending on program<\/td><\/tr><tr><td>Term<\/td><td>30 years fixed; ARM options available<\/td><\/tr><tr><td>Income documentation<\/td><td>Full doc (tax returns) typical; some programs accept bank statements<\/td><\/tr><tr><td>Reserves<\/td><td>6\u201312 months PITI typical<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Why borrowers choose this program<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Access to homeownership without SSN.<\/strong> ITIN borrowers are typically excluded from FHA, VA, USDA, and conventional financing despite having stable income and tax-filing history. ITIN programs fill this gap.<\/li>\n<li><strong>Standard 30-year structures.<\/strong> Most ITIN programs offer the same fixed-rate structures as conventional, not just short-term hard money.<\/li>\n<li><strong>U.S. credit-building.<\/strong> Successful ITIN mortgage payment history helps build the borrower&#8217;s U.S. credit file.<\/li>\n<li><strong>All property types.<\/strong> Primary, second home, and investment, same flexibility as conventional.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Considerations<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Higher rates than conventional.<\/strong> ITIN programs typically price 100\u2013250 basis points above conventional. The premium pays for the broader borrower eligibility.<\/li>\n<li><strong>Larger down payment required.<\/strong> 15\u201325% down is standard; very few programs go below 15%.<\/li>\n<li><strong>Limited lender pool.<\/strong> Far fewer wholesale lenders offer ITIN programs than offer conventional or FHA. Pricing and terms vary more widely between lenders.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>One-line summary: Mortgage loans for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number, designed for borrowers without SSN but with established [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":490,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"page-templates\/program.php","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-491","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ITIN Loans - Kennedy Mortgage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ITIN Loans - Kennedy Mortgage\" \/>\n<meta property=\"og:description\" content=\"One-line summary: Mortgage loans for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number, designed for borrowers without SSN but with established [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Kennedy Mortgage\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100070798878400\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-04T13:16:25+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/residential\\\/itin-loans\\\/\",\"url\":\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/residential\\\/itin-loans\\\/\",\"name\":\"ITIN Loans - Kennedy Mortgage\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/#website\"},\"datePublished\":\"2026-06-03T13:57:26+00:00\",\"dateModified\":\"2026-06-04T13:16:25+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/residential\\\/itin-loans\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/residential\\\/itin-loans\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/residential\\\/itin-loans\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ITIN Loans\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/#website\",\"url\":\"https:\\\/\\\/kennedymtg.com\\\/\",\"name\":\"Kennedy Mortgage\",\"description\":\"Mortgage Company\",\"publisher\":{\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/kennedymtg.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/#organization\",\"name\":\"Kennedy Mortgage, LLC\",\"url\":\"https:\\\/\\\/kennedymtg.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Color-logo-with-background.png\",\"contentUrl\":\"https:\\\/\\\/kennedymtg.com\\\/staging\\\/8888\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Color-logo-with-background.png\",\"width\":3172,\"height\":1440,\"caption\":\"Kennedy Mortgage, LLC\"},\"image\":{\"@id\":\"https:\\\/\\\/kennedymtg.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/profile.php?id=100070798878400\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/james-kennedy-jim\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCVebKKQGg1pMB7wrZaLheCg\",\"https:\\\/\\\/www.instagram.com\\\/kennedymortgage\\\/\",\"https:\\\/\\\/www.tiktok.com\\\/@kennedymortgage\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"ITIN Loans - Kennedy Mortgage","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/","og_locale":"en_US","og_type":"article","og_title":"ITIN Loans - Kennedy Mortgage","og_description":"One-line summary: Mortgage loans for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number, designed for borrowers without SSN but with established [&hellip;]","og_url":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/","og_site_name":"Kennedy Mortgage","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=100070798878400","article_modified_time":"2026-06-04T13:16:25+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/","url":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/","name":"ITIN Loans - Kennedy Mortgage","isPartOf":{"@id":"https:\/\/kennedymtg.com\/#website"},"datePublished":"2026-06-03T13:57:26+00:00","dateModified":"2026-06-04T13:16:25+00:00","breadcrumb":{"@id":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/itin-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/kennedymtg.com\/staging\/8888\/"},{"@type":"ListItem","position":2,"name":"ITIN Loans"}]},{"@type":"WebSite","@id":"https:\/\/kennedymtg.com\/#website","url":"https:\/\/kennedymtg.com\/","name":"Kennedy Mortgage","description":"Mortgage Company","publisher":{"@id":"https:\/\/kennedymtg.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/kennedymtg.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/kennedymtg.com\/#organization","name":"Kennedy Mortgage, LLC","url":"https:\/\/kennedymtg.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kennedymtg.com\/#\/schema\/logo\/image\/","url":"https:\/\/kennedymtg.com\/staging\/8888\/wp-content\/uploads\/2024\/02\/Color-logo-with-background.png","contentUrl":"https:\/\/kennedymtg.com\/staging\/8888\/wp-content\/uploads\/2024\/02\/Color-logo-with-background.png","width":3172,"height":1440,"caption":"Kennedy Mortgage, LLC"},"image":{"@id":"https:\/\/kennedymtg.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/profile.php?id=100070798878400","https:\/\/www.linkedin.com\/in\/james-kennedy-jim\/","https:\/\/www.youtube.com\/channel\/UCVebKKQGg1pMB7wrZaLheCg","https:\/\/www.instagram.com\/kennedymortgage\/","https:\/\/www.tiktok.com\/@kennedymortgage"]}]}},"_links":{"self":[{"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/pages\/491","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/comments?post=491"}],"version-history":[{"count":1,"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/pages\/491\/revisions"}],"predecessor-version":[{"id":582,"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/pages\/491\/revisions\/582"}],"up":[{"embeddable":true,"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/pages\/490"}],"wp:attachment":[{"href":"https:\/\/kennedymtg.com\/staging\/8888\/wp-json\/wp\/v2\/media?parent=491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}