You don’t need a Social Security Number to become a homeowner. Ryan O’Kane at Arbor Financial Group provides personalized ITIN loan solutions for individuals using an Individual Taxpayer Identification Number. With flexible requirements and a clear, supportive process, Ryan is here to help you take the next step toward homeownership.
ITIN loans are mortgage solutions designed for individuals who do not have a Social Security Number but have an Individual Taxpayer Identification Number. These loans open the door to homeownership for non-U.S. citizens and undocumented residents. Ryan O’Kane provides guidance every step of the way, ensuring the process is clear, supportive, and tailored to your financial goals.
ITIN home loans are available to borrowers who have a valid ITIN, a steady income, and a consistent employment history. You do not need a traditional credit score, but alternative credit may be considered. Ryan O’Kane works with clients from all backgrounds to help them qualify with confidence and clarity.
ITIN mortgage loans offer the opportunity to build equity, stop renting, and secure long-term financial stability—even without a Social Security Number. Ryan offers access to lenders who specialize in ITIN financing, with flexible credit requirements, competitive terms, and personalized loan options.
Many ITIN loans require a down payment of at least 10–20%, depending on the lender and borrower profile. Ryan O’Kane helps clients explore all available options, so you know what’s required and how to prepare financially. His expertise can help you plan a path toward homeownership, step by step.
To apply for an ITIN loan, you’ll need your ITIN, government-issued ID, recent tax returns, proof of income, and possibly alternative credit documents. Ryan makes the process simple and will walk you through exactly what’s required, so there are no surprises along the way.
With experience helping diverse borrowers navigate non-traditional loans, Ryan O’Kane offers more than just mortgage advice—he delivers solutions. Backed by Arbor Financial Group’s nationwide resources and personalized service, Ryan provides a supportive, respectful, and results-driven experience for every ITIN loan client.
When applying for an ITIN home loan, you need more than a lender—you need a trusted advisor. Ryan O’Kane understands the unique challenges that come with non-traditional mortgage solutions and works closely with each client to ensure clarity, support, and success. Backed by the trusted team at Arbor Financial Group, Ryan offers access to flexible ITIN loan programs, personalized guidance, and a smooth, respectful experience from start to finish. Whether you’re buying your first home or investing in your future, Ryan will help you navigate every step with confidence.
If you’re applying for a mortgage with an ITIN instead of a Social Security Number, you likely have questions. Here are some answers to help guide your journey.
Yes. With a valid Individual Taxpayer Identification Number (ITIN), you can qualify for a mortgage through specific non-QM lenders. Ryan can help you find the right fit.
Most lenders accept W-2 income, self-employment income, or alternative documentation like bank statements. Ryan will review your situation and find a solution that works.
Not necessarily. Alternative credit like utility or rent payments may be accepted. Ryan will help you gather the right documents to support your application.
Rates may be slightly higher than traditional loans due to the perceived risk, but Ryan O’Kane works with multiple lenders to find the most competitive rate for your needs.
Borrowers must have a valid ITIN, proof of income, and a down payment. Lenders typically require:
Yes. Many borrowers who start with an ITIN loan later refinance once they’ve built credit or adjusted their legal status. Ryan can help you evaluate refinance options at the right time.
An ITIN loan is a mortgage designed for non-U.S. citizens, foreign nationals, and individuals without a Social Security Number. Instead of requiring an SSN, lenders accept an Individual Taxpayer Identification Number (ITIN) along with proof of income, employment, and credit history to determine eligibility.
ITIN loans do not require a Social Security Number or permanent residency. Instead, they allow borrowers to qualify using alternative credit and income verification. While conventional loans follow strict underwriting guidelines, ITIN loans offer greater flexibility for non-citizen borrowers.
No. ITIN loans are available to foreign nationals and non-U.S. citizens who do not have a green card or visa. As long as the borrower has a valid ITIN and proof of income, they may qualify.
Most lenders require a minimum credit score of 600, but some accept alternative credit history, such as rental payment records, utility bills, and bank statements if a borrower does not have a traditional credit score.
ITIN loan down payment requirements typically range from 10% to 20%, depending on the lender and borrower’s credit profile. A larger down payment may improve loan approval chances and lower interest rates.
Yes! Some lenders allow ITIN loans for rental properties and real estate investments. However, borrowers purchasing primary residences often receive better loan terms and lower down payment options.
ITIN loans generally have slightly higher interest rates than conventional loans due to the increased lending risk. However, borrowers with strong financials, a larger down payment, and good credit history can secure competitive rates.
Yes! ITIN borrowers who have built equity in their home can refinance to lower their interest rate, adjust loan terms, or access cash through a cash-out refinance.
Loan amounts vary by lender, but ITIN loans typically range from $150,000 to $2 million, depending on borrower qualifications and the property type. Some lenders offer jumbo ITIN loans for high-value properties.
Yes! Self-employed individuals can qualify using bank statements, business tax returns, and profit-and-loss statements instead of W-2s or traditional income verification.
Yes! ITIN loans are a great option for first-time homebuyers who do not have a Social Security Number but have a steady income and a down payment. Some lenders offer first-time buyer programs with lower down payment options.
If you don’t qualify for an ITIN loan, consider:
Ryan O’Kane at ARBOR Financial Group delivers personalized mortgage solutions with integrity, fast custom quotes, and competitive rates. Licensed in CA and NV.
