Qualification guide
Wondering whether you qualify for an itin loan? Below is what lenders actually look at — and remember that guidelines are a starting point, not a wall. As a broker, CDL Mortgage works with lenders whose overlays differ, so a “no” from one bank is often a “yes” somewhere else.
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.
Credit score — each program has a minimum score, and stronger credit improves both approval odds and pricing.
Income & employment — lenders verify stable, documentable income; self-employed borrowers have flexible-doc options.
Down payment / equity — requirements vary by program, from 0% down (VA, USDA) up to 20–25% for investor loans.
Debt-to-income ratio — your total monthly debts vs. gross income; most programs want this under roughly 43–50%.
Property standards — the home must meet the itin loan program’s appraisal and condition guidelines.
Reserves — some programs want a few months of payments in savings after closing, especially for larger loans.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
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.