Best ITIN Mortgages Lenders for Self-Employed Borrowers (2026)
ITIN mortgages let borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number buy or refinance a home. A vital path to homeownership for self-employed taxpayers without an SSN who file and pay taxes.
Typical Rates
8.0%–10.5% (approx.)
Max LTV
Up to 80% (purchase)
Typical Terms
30-year fixed or ARM
Min Credit
600–660 (or alt-credit)
What Are ITIN Mortgages?
An ITIN mortgage opens the door to homeownership for people who pay U.S. taxes using an Individual Taxpayer Identification Number rather than a Social Security number. Lenders that offer these programs evaluate the same fundamentals as any mortgage — income, credit, down payment, and reserves — and frequently pair the ITIN program with bank statement or 1099 documentation for self-employed applicants. Expect a somewhat higher rate and a larger down payment than a standard non-QM loan.
Who Are ITIN Mortgages Best For?
- Borrowers who file taxes with an ITIN instead of an SSN
- Self-employed taxpayers without a Social Security number
- Buyers with limited traditional credit history
- Owner-occupied purchase and refinance
Pros & Cons
Pros
- +Homeownership without a Social Security number
- +Alternative credit (rent, utilities) often accepted
- +Can combine with bank statement or 1099 documentation
- +Available for primary residences in most states
Cons
- –Higher rates than standard non-QM programs
- –Lower maximum LTV — larger down payment required (often 15–20%)
- –Fewer lenders offer ITIN programs
- –Many ITIN lenders are wholesale-only — you apply through a broker
Best ITIN Lenders (10)
These lenders offer itin mortgages, ranked by our editor rating. Click any lender for a full review with detailed terms and expert analysis.
| Lender | Rates | Max LTV | Min Credit | Speed | Best For | Rating |
|---|---|---|---|---|---|---|
| Griffin Funding | 7.25%–9.75% | 90% | 620 | 21–35 days | Self-employed borrowers, Apply direct (no broker) | 4.5 |
| Angel Oak Mortgage Solutions | 7%–9.75% | 90% | 620 | 25–40 days | Broadest non-QM menu, Via broker only | 4.5 |
| New American Funding | 7%–9.5% | 90% | 620 | 21–40 days | Apply direct (no broker), Full product menu | 4.0 |
| Newfi Lending | 7.25%–9.75% | 90% | 620 | 21–35 days | Apply direct (no broker), Non-QM specialist | 4.0 |
| Carrington Mortgage Services | 7.25%–10% | 85% | 600 | 25–45 days | Lower credit scores, Apply direct or via broker | 4.0 |
| Deephaven Mortgage | 7%–9.75% | 90% | 620 | 25–40 days | Non-QM pioneer, Via broker only | 4.0 |
| Acra Lending | 7.25%–10% | 90% | 600 | 25–45 days | Established non-QM lender, Via broker only | 4.0 |
| A&D Mortgage | 7.25%–9.99% | 90% | 620 | 25–45 days | Full non-QM menu, Via broker only | 4.0 |
| LoanStream Mortgage | 7.25%–9.99% | 90% | 620 | 25–45 days | NanQ non-QM line, Via broker only | 3.5 |
| Champions Funding | 7.25%–10% | 90% | 600 | 25–45 days | CDFI lender, Via broker only | 3.5 |
Griffin Funding
4.5Griffin Funding is a consumer-direct lender that has built much of its brand around non-QM lending for the self-employed. Borrowers can apply directly online — no broker required — across bank statement, asset-based, 1099, and P&L programs in addition to conventional and VA loans.
7.25%–9.75%
90%
620
21–35 days
$100K–$5M
No experience required
Angel Oak Mortgage Solutions
4.5Angel Oak Mortgage Solutions is one of the largest and most established non-QM lenders in the country, with the broadest self-employed menu in the market. Important for consumers: Angel Oak Mortgage Solutions is a wholesale lender — you cannot apply directly and must work through a mortgage broker.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
New American Funding
4.0New American Funding (NAF) is one of the largest privately held mortgage lenders in the country, offering a full retail menu that includes non-QM options for self-employed borrowers alongside conventional, FHA, VA, and jumbo loans. Borrowers apply directly through NAF.
7%–9.5%
90%
620
21–40 days
$100K–$5M
No experience required
Newfi Lending
4.0Newfi Lending is a non-QM specialist that operates a genuine consumer-direct retail channel in addition to wholesale. Self-employed borrowers can apply directly for bank statement, asset-utilization, 1099, and ITIN programs without going through a broker.
7.25%–9.75%
90%
620
21–35 days
$100K–$4M
No experience required
Carrington Mortgage Services
4.0Carrington Mortgage Services is a vertically integrated lender and servicer with a deep non-prime and non-QM focus. Its "Flexible Advantage" series targets self-employed and credit-challenged borrowers, and consumers can apply directly through Carrington's retail channel.
7.25%–10%
85%
600
25–45 days
$100K–$4M
No experience required
Deephaven Mortgage
4.0Deephaven Mortgage is a pure non-QM lender (owned by Pretium) that has focused exclusively on alternative-documentation loans since 2012. For consumers, the key point is that Deephaven is wholesale and correspondent only — you reach its programs through a mortgage broker, not directly.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
Acra Lending
4.0Acra Lending (formerly Citadel Servicing) is one of the oldest and largest dedicated non-QM lenders and an active securitizer. It is a wholesale lender — consumers reach its bank statement, 1099, P&L, ITIN, and other programs through a mortgage broker rather than applying directly.
7.25%–10%
90%
600
25–45 days
$100K–$4M
No experience required
A&D Mortgage
4.0A&D Mortgage is a Florida-rooted, nationwide non-QM specialist serving thousands of broker partners and an active issuer of non-QM securitizations. It is a wholesale and correspondent lender — borrowers reach its full self-employed menu through a mortgage broker.
7.25%–9.99%
90%
620
25–45 days
$100K–$5M
No experience required
LoanStream Mortgage
3.5LoanStream Mortgage offers a well-known non-QM line branded "NanQ," covering bank statement, 1099, P&L, asset, and ITIN programs. The NanQ line is a wholesale staple — consumers reach it through a mortgage broker rather than applying directly.
7.25%–9.99%
90%
620
25–45 days
$100K–$4M
No experience required
Champions Funding
3.5Champions Funding is a 100% non-QM lender and a Treasury-designated Community Development Financial Institution (CDFI), a status that supports more flexible, exception-based underwriting for underserved borrowers. It is a wholesale lender — consumers apply through a mortgage broker.
7.25%–10%
90%
600
25–45 days
$100K–$5M
No experience required
Frequently Asked Questions About ITIN Mortgages
What is an ITIN and who uses one?
An ITIN is a tax-processing number the IRS issues to people who must file U.S. taxes but are not eligible for a Social Security number. Many self-employed borrowers use an ITIN to file and pay taxes, build a financial record, and — through ITIN mortgage programs — qualify to buy a home.
How much down payment do I need for an ITIN mortgage?
ITIN programs typically require a larger down payment than standard loans — often 15% to 20% or more — because the maximum LTV is lower. A bigger down payment can also help offset higher rates and may broaden the lenders willing to work with you.
Can I qualify with limited credit history?
Often, yes. Many ITIN lenders accept alternative credit references such as rent, utility, and insurance payment histories when a traditional credit score is thin or unavailable. Documenting a consistent payment record strengthens your file considerably.
Find ITIN Lenders by State
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