ITIN Mortgage Program

A powerful tool for immigrant taxpayers to achieve the American dream of homeownership.
Find out today if you're eligible
What is an ITIN?
An ITIN is a tax identification number issued by the Internal Revenue Service (IRS). ITINs allow foreign nationals, resident aliens and non-resident aliens who are not eligible for a Social Security Number (SSN) to file tax returns.
Why should I have an ITIN?
An ITIN also will enables you to achieve your dream of becoming a homeowner in United States. With an ITIN, those without SSNs can still apply for mortgages in the United States through select lenders, including ACC Mortgage.
How to apply for an ITIN?
To apply for an ITIN, you must file an IRS Form W-7, complete a federal income tax return, and provide proof of identity. Applications can be completed either through the IRS or an authorized Certifying Acceptance Agent.

ITIN Mortgage guidelines

The ITIN mortgage program has more specific requirements compared to other mortgage programs. The applicants need to provide:
15-25% down payment (gifts allowed — call for details).
Tax returns from the past 2 years.
W2s or 1099s from the past 2 years.
Passport, ITIN card, and driver's license.
24 months of bank statements.
Need more information? One of our mortgage experts will let you know if this program is right for you and how much home you qualify for.
Call now: ​1-800-308-1181

Benefits of the ITIN

Here are additional pros if you are going with ITIN mortgage program when purchasing your home.
Great option for foreigners who live in United States.
No social security needed to purchase a home.
Applicable towards purchases, refinancing, and investment properties.
Interested to learn more to see if you can use this option to advantage when purchasing a home?
Call now: ​1-800-308-1181

Take the next step, send us a message!

Fill out the form below to see if you can use this option to your advantage when purchasing a home.
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Where we are licensed

We are licensed in 28 states around the United States. Please mouse over the map for licensing information.
Pending
Licensed
Not Licensed
Revised: January 9, 2023

Licensing

© 2023 All Credit Considered Mortgage, Inc. d/b/a ACC Mortgage · NMLS ID 176724 · 1801 Research Blvd., Suite 410, Rockville, MD 20850 · (877) 349-0501. Not all loan programs are available in all areas. Program restrictions may apply. All rights reserved. This is not an offer or extension of credit or a commitment to lend. Licenses are held as follows: Arkansas combination Mortgage-Banker-Broker-Servicer License #119499; Licensed by the Department of Financial Protection and Innovation, under the California Residential mortgage Lending Act License #41DBO-102821; Connecticut Mortgage Lender License ML-176724; Washington D.C. License #MLB176724;Delaware Lender License #020786 ; Florida Mortgage Lender Servicer #MLD953; Georgia Mortgage Lender License #46424; Idaho Mortgage Broker/Lender License #MBL-2080176724; Illinois Residential Mortgage License MB.6761111; Indiana-DFI Mortgage Lending License #40794; Maryland Mortgage Lender License #6625; Michigan 1st Mortgage Broker/Lender License #FL0022183; Minnesota Residential Mortgage Originator License # MN-MO-176724; Mississippi Mortgage Lender License 176724; Nevada Mortgage Lender License 4619; New Jersey Residential Mortgage License; North Carolina Mortgage Lender License L-164875; Ohio Mortgage Loan Originator License #MLO-OH.177088; Oklahoma Mortgage Lender License #ML012740; Oregon Mortgage Lending License #ML-5825; Pennsylvania Mortgage Lender License 51566; South Carolina-BFI Mortgage Lender/Servicer License MLS-176724; Tennessee Mortgage License #181409; Texas SML Mortgage Company License; Utah-DFI Residential First Mortgage Notification; Virginia Lender Licensed by the Virginia State Corporate Commission as MC-1856; Washington Consumer Loan Company License #CL-176724; District of Columbia Mortgage Dual Authority License #MLB176724.

State Licensing Details

AZ
arizona

Mortgage Banker

License #BK 0937856
AR
arkansas

Combination Mortgage-Banker-Broker-Servicer

License #119499
CA
california

DBO Residential Mortgage Lending Act

License #41DBO-102821
CO
colorado

Mortgage Company Registration

CT
connecticut

Mortgage Lender

License ML-176724
DE
delaware

Lender

License #020786
FL
florida

Mortgage Lender Servicer

#MLD953
GA
georgia

Mortgage Lender

License #46424
ID
idaho

Mortgage Broker/Lender

License #MBL-2080176724
IL
illinois

Residential Mortgage

License MB.6761111
IN
indiana

DFI Mortgage Lending

License #40794
MD
maryland

Mortgage Lender

License #6625
MI
michigan

1st Mortgage Broker/Lender

License #FL0022183
MN
minnesota

Residential Mortgage Originator

License # MN-MO-176724
MS
mississippi

Mortgage Lender

License# 176724
NV
nevada

Mortgage Lender

License 4619
NC
North Carolina

Mortgage Lender

License L-164875
OH
ohio

Mortgage Loan Originator

License #MLO-OH.177088
OK
oklahoma

Mortgage Lender

License #ML012740
OR
oregon

Mortgage Lending

License #ML-5825
PA
pennsylvania

Mortgage Lender

License 51566
SC
South Carolina

BFI Mortgage Lender/Servicer

License MLS-176724
TN
tennessee

Mortgage

License #181409
TX
texas

SML Mortgage Company License
Figure: 7 TAC §80.200(b)
“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

UT
utah

DFI Residential First Mortgage Notification

VA
virginia

Lender Licensed by the Virginia State Corporate Commission as MC-1856

WA
washington

Consumer Loan Company

License #CL-176724
DC
district of columbia

Mortgage Dual Authority

License #MLB176724
View Licensing Details
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