Home financing with an ITIN — no Social Security number required
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.
Why CDL
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every ITIN loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
How It Works
An ITIN loan lets borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number buy or refinance a home. These are portfolio loans, held by the lender rather than sold to an agency.
Your ITIN letter, valid photo identification and consistent tax filing history establish the foundation of the file.
Tax returns, W-2s, pay stubs or twelve months of bank statements for self-employed borrowers all work.
Commonly 10–20% down. Documented gift funds are accepted by most ITIN investors.
Traditional credit if you have it, or alternative credit built from rent, utilities and insurance payment history.
A standard appraisal plus manual underwriting by a human who reviews the full picture rather than a score alone.
You close as any other buyer would, and the mortgage itself begins strengthening your credit profile.
Your Options
ITIN borrowers are frequently told only one product exists. That is not true.
Honest Advice
We are direct about what these loans cost and where they shine, because too many borrowers are misled.
A consistent filing history and stable employment matter more here than any single credit number.
More money down widens the investor pool and improves your rate meaningfully.
For many families this is the only path to ownership, and it is a legitimate mortgage — not a workaround.
ITIN rates run above agency pricing because there is no government backing. We quote real numbers up front.
Not every lender offers ITIN loans. We already know which ones do and how each underwrites.
Cash income that never reaches a bank account cannot be used. We show you how to fix that going forward.
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.
Find ITIN loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.