Explore mortgage options available to eligible ITIN borrowers.
Mortgage options may be available for eligible borrowers using an Individual Taxpayer Identification Number, subject to lender, credit, income, property, and documentation requirements.
Get Pre-Approved Start with an inquiry. A loan decision requires review.
Who this may help
- ITIN borrowers
- Eligible homebuyers
- Eligible property investors
- Borrowers reviewing documentation paths
Common uses
- Purchase review
- Refinance review
- Property-financing review
- Documentation planning
Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.
What to have in mind
These details help explain your situation. You can start the inquiry before gathering every document.
Keep sensitive documents for the secure upload process. Do not send them by general email.
- ITIN/residency context
- Income documentation
- Property information
- Credit range
- Loan amount
What happens next
The inquiry starts the conversation. Final options depend on the full review.
How the loan process worksShare the property, borrower, and loan goal.
Review the documentation path that may fit.
Discuss possible next steps before moving deeper into paperwork.
Move forward only when the borrower understands the direction.
Questions about ITIN
General guidance to help you decide what to ask.
Is ITIN eligibility guaranteed?
No. Eligibility depends on lender requirements, documentation, credit, property, and underwriting review.
Should I submit sensitive ID information through the public form?
No. Start with the general inquiry. Sensitive documents should wait for an approved secure process.
Talk through your plans.
Tell Citadel about the property and what you want to do. We can review the details with you.
Get Pre-Approved