If you’re working and living in the U.S. with an Individual Taxpayer Identification Number (ITIN), you may still qualify for a home loan. Kristy Gannon at Ownity Mortgage helps individuals across California achieve their dream of homeownership through flexible and accessible ITIN Home Loans, backed by over 20 years of mortgage experience and personalized support every step of the way.
ITIN Home Loans are mortgage programs designed for individuals who do not have a Social Security Number but file U.S. taxes using an Individual Taxpayer Identification Number (ITIN). These loans offer an inclusive solution for those who are otherwise financially ready to buy a home but have been limited by traditional loan requirements. With alternative documentation options and flexible guidelines, Kristy Gannon helps ITIN holders in California secure financing that works for their lives and long-term goals.
ITIN loans are a great fit for individuals who earn steady income, file taxes using an ITIN, and are ready to put down roots in a community they already call home. Whether you’re self-employed or working with W-2s, if you lack a Social Security Number but have a strong financial profile, an ITIN Home Loan can make homeownership possible. Kristy Gannon is experienced in working with diverse borrowers and ensures every client receives a fair, supportive, and personalized experience.
Instead of requiring a Social Security Number, ITIN loans allow lenders to verify income, identity, and creditworthiness using your ITIN, tax returns, and other financial documentation. While the process may involve a larger down payment or additional paperwork, Kristy Gannon is here to guide you through each step—from pre-approval to closing—with clear explanations and constant support.
ITIN Home Loans can be used to purchase a home, refinance an existing loan, or access home equity. These programs often allow for both fixed and adjustable rates, depending on your needs. Loan terms and requirements may vary by lender, but with Kristy’s network and experience, you’ll have access to some of the most competitive and flexible options available for ITIN borrowers in California.
The biggest benefit of an ITIN Home Loan is access. These loans open the door to homeownership for individuals who might otherwise be excluded by standard lending practices. With the ability to buy a home, build equity, and secure a stable future, ITIN borrowers can invest in their families and communities. With Kristy Gannon’s guidance, you’ll be able to confidently navigate the mortgage process and take your next big step forward.
If you’ve been working, paying taxes, and saving to purchase a home but don’t have a Social Security Number, an ITIN Home Loan could be the perfect fit. These loans are built to support borrowers with unique documentation and strong financial responsibility. Kristy Gannon will take the time to understand your situation, explain your options, and guide you toward a loan program that helps you build a solid foundation for the future.
With more than 20 years of mortgage experience, Kristy Gannon is dedicated to helping clients from all walks of life achieve homeownership. She understands that the mortgage process can feel overwhelming, especially for those navigating unique circumstances. At Ownity Mortgage, Kristy combines expert knowledge with personalized care to ensure every ITIN borrower feels respected, supported, and empowered throughout their journey.
If you’re ready to own a home and have an ITIN, Kristy Gannon is here to help. From paperwork to approval, she’ll guide you with care and clarity.
An ITIN loan is a mortgage designed for non-U.S. citizens, foreign nationals, and individuals without a Social Security Number. Instead of requiring an SSN, lenders accept an Individual Taxpayer Identification Number (ITIN) along with proof of income, employment, and credit history to determine eligibility.
ITIN loans do not require a Social Security Number or permanent residency. Instead, they allow borrowers to qualify using alternative credit and income verification. While conventional loans follow strict underwriting guidelines, ITIN loans offer greater flexibility for non-citizen borrowers.
Borrowers must have a valid ITIN, proof of income, and a down payment. Lenders typically require:
No. ITIN loans are available to foreign nationals and non-U.S. citizens who do not have a green card or visa. As long as the borrower has a valid ITIN and proof of income, they may qualify.
Most lenders require a minimum credit score of 600, but some accept alternative credit history, such as rental payment records, utility bills, and bank statements if a borrower does not have a traditional credit score.
ITIN loan down payment requirements typically range from 10% to 20%, depending on the lender and borrower’s credit profile. A larger down payment may improve loan approval chances and lower interest rates.
Yes! Some lenders allow ITIN loans for rental properties and real estate investments. However, borrowers purchasing primary residences often receive better loan terms and lower down payment options.
ITIN loans generally have slightly higher interest rates than conventional loans due to the increased lending risk. However, borrowers with strong financials, a larger down payment, and good credit history can secure competitive rates.
Yes! ITIN borrowers who have built equity in their home can refinance to lower their interest rate, adjust loan terms, or access cash through a cash-out refinance.
Loan amounts vary by lender, but ITIN loans typically range from $150,000 to $2 million, depending on borrower qualifications and the property type. Some lenders offer jumbo ITIN loans for high-value properties.
Yes! Self-employed individuals can qualify using bank statements, business tax returns, and profit-and-loss statements instead of W-2s or traditional income verification.
Yes! ITIN loans are a great option for first-time homebuyers who do not have a Social Security Number but have a steady income and a down payment. Some lenders offer first-time buyer programs with lower down payment options.
If you don’t qualify for an ITIN loan, consider:
