Step-by-step guide
Getting an itin loan is simpler than most people expect when you have the right team. Here’s the exact process CDL Mortgage walks every borrower through, from the first conversation to funding day.
ITIN home loans for buyers in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number. Competitive Non-QM financing from CDL Mortgage — homeownership is possible without an SSN.
The Process
Review your credit report and settle on a comfortable monthly payment before you apply. Home financing with an ITIN — no Social Security number required. We’ll tell you exactly where you stand — and how to improve your pricing — in a free 15-minute call.
Typical items include photo ID, recent pay stubs or income documentation, bank statements, and two years of tax returns where applicable. Your loan officer sends a short checklist tailored to your itin loan.
We verify your income, credit, and assets up front so your pre-approval actually holds up in underwriting. A solid pre-approval is the single biggest factor in a smooth, on-time closing.
As an independent broker, CDL Mortgage shops multiple wholesale lenders on every itin loan — you see the best pricing across the market, not one bank’s rate sheet.
We submit your full file, order the appraisal when required, and clear any underwriter conditions for you. You’ll always know exactly where your loan stands.
Sign your final documents with a notary or at the title company, and your loan funds. Most files close in 21–30 days — often faster.
Questions
Yes. ITIN loans are designed specifically for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number. Lenders verify your income, credit history, and tax returns just like a traditional loan — no SSN required.
Most ITIN programs require 10% to 20% down depending on credit profile and the lender. A larger down payment typically unlocks better rates. We shop multiple Non-QM investors to find your strongest terms.
Many ITIN borrowers have credit files established under their ITIN. If your traditional credit is thin, lenders can use alternative credit — rent history, utility payments, and insurance payments — to demonstrate your payment track record.
Typically a valid ITIN card or letter, government-issued photo ID (such as a passport or matrícula consular), two years of tax returns filed with your ITIN, and proof of income such as pay stubs or bank statements. We’ll give you a complete checklist up front.
ITIN rates run somewhat higher than conventional financing because these loans are held by specialty investors, but they are far more affordable than most people expect — and refinancing later is always an option if your situation changes.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.