Is ITIN Loans Without Social Security Number Still Available?


When people of United States want to apply for bank loans without social security number (SSN), most of them will think of ITIN mortgage loans. ITIN (Individual Taxpayer Identification Number) is a tax processing number issued by IRS (Internal Revenue Service)for people to pay taxes, and they are now also being used as a way for undocumented alients to apply mortgages. In addition, ITINs have being introduced few years back and were used by most leading banks for all states with the purpose of enabling undocumented aliens to open savings & checking accounts, as well as apply for credit cards.

itin loans
itin loans

Mortgage Loans With ITIN

Before the financial crisis in 2008, some banks even provide mortgage loans for foreign nationals who not even have an ITIN, they are qualify for loan if they are able to pay for a down payment of 25% on a mortgage that they apply for. They can even apply for up to $600,000.00 by just showing a passport to the bank without any paper work or documentation. However, after the financial crisis in 2008, a lot of banks already stop lending ITIN mortgage to foreign nationals.

Banks that help people with ITIN numbers in getting a mortgage

ITIN mortgage lenders like Citibank is offering financing with the help of ACORN (Association of Community Organizations for Reform Now) Housing Corporation in about 30 cities in the America. But such financing aren’t available in the Roanoke area due to the bank offers ACORN only in the service regions with branches there.

Most people are wondering how to identify those banks that can issue a mortgage loan with an ITIN number. If you are having such issue, you should acknowledge that most banks can lend you mortgage with a ITIN number. What you need to have is a mortgage officer that knows about what you want to loan for.

Car Loan With ITIN Number

Some may ask: “Is it possible to get a car loan without social security number?” Well, by having an ITIN car loan, it is possible for a bank to approve in the same day for the loan you applied for. These types if car loans or auto loans are of no different to conventional loans where they normal require you to pay for a downpayment or have your vehicle to trade in. Nevertheless, it is vital for applicant to know their responsibilites on repayment terms when they are securing a car loan with ITIN.

How to get a bank loan with no social security number?

There are 4 steps for application follow in order to get the ITIN loan approve.

1. Applicant need to attend home buyer seminars to understand the whole process of home buying and mortgage loan application.

2. Schedule a one to one meeting with an ACORN housing conselor for them to understand the problem of the applicant faced and provide solution to their issue.

3. ACORN will start analyze on all the information and documents provided by applicant.

4. Once go through the meeting and ACORN analyst, the next thing is the applicant has to deal with a loan officer from CitiMortgage for an ITIN loan approval.

Where to get loan application form?

To apply for ITIN loan, you need to get the form called W-7 where you can download the form in English or in Spanish follow these links:
Form W-7 English or Form W-7 Spanish. You can also obtain the forms from IRS offices or in your nearby community center.

However, as of now lesser and lesser financial institutions are offering ITIN loans, you may want to check out before you submit the form. Here are some contacts from a few states where the loan may still available.


You might check with International Bank of Commerce or BBVA.

Web Reference:

or contact with AOK Mortgage if you are living in metro area in Texas:

Mario Romero
AOK Mortgage, Inc.


TCF Bank writes loans using ITIN numbers in Chicago.

6141 S Archer Ave.
Chicago, IL 60638

Tel: (773) 767-5270

Loan Officers:

Lending Manager: Sonia Monarrez (speaks Spanish)
Assistant Lending Manager: William R. Davis Jr.

or contact

Oscar Feliciano 708-681-8740

or email to


Greensboro, North Carolina

Web Reference:

Nationwide Contact:

1. Chris Diamond
NMLS 771882
Diamond Residential Mortgage Corporation

2. Bart Gabe
800 315 8803
NMLS 20743
Lending Nationwide Since 1987

3. John Lyng
Mortgage Counselor – NMLS 280951

30 year fixed mortgage

ITIN First Time Homebuyer


  1. Hello my name is Ramon Garcia and I’m looking to buy a house with my itin number but wasn’t sure how to go about doing so . So please if you can help me please send me any information or if you can help to my e-mail .Thank you.

  2. As most banks have stop offering ITIN loan in their states, it is best for you to check out with the bank nearby where you live if they still offering ITIN loan. Otherwise, you may just call up the contact as provided in the post. Thanks.

  3. I would want to know if anyone can tell me the state where I live which is Washington still has ITIN loan available?

  4. You cannot do a short sale until you’ve alrdeay missed payments. If you are up to date on your mortgage, the bank has no reason to worry and therefore will not accept a short sale. The bank knows you can still make the payments because you still are, and will expect you to continue to fulfill your end of the bargain. If you do fall behind on payments, you have to have a good reason why. Such reasons might be a death in the family, loss of job or an injury that has kept you from working. A short sale protects the owners credit when the borrower can no longer make the payments. In that event, the bank realizes it’ll take many more months to wait to evict you and sell it themselves than if they cooperate with you and allow you to retain possession of the house while they sell it. The bank takes the financial hit and pays all the fees in the sale of the property, but in turn, the owner is not entitled to any equity that has built up on the property.If you have absolutely no equity in the house and just want to get rid of it, you might want to do research or talk with a lawyer about a quitclaim deed. With that deed, you sign off all your rights to someone else and they take on all the responsibility you once had. If nobody you know wants the property, I’m sure there are investors who will be more than happy to take it off your hands, rent it out and wait a few years for the market to rise. Then, you can move on to a less expensive house free from the hassle of your overpriced property.I am not a lawyer and not qualified to give legal advice, so please speak with an attorney about your options. Some of them may give you some quick advice over the phone without charging you. Good luck

  5. Hi There:
    I live in California and wondering if we can get a Mortgage loan to purchase our first home
    can You help me with information about it Please


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