ITIN Mortgage Program

A powerful tool for immigrant taxpayers to achieve the American dream of homeownership.

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.

For Borrower

For Broker

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: September 16, 2020

Licensing

© 2020 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 Business Oversight under the California Residential Mortgage Lending Act License #41DBO-102821; Connecticut Mortgage Lender License ML-176724; 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; Nevada Mortgage Lender License 4619; New Jersey Residential Mortgage License; North Carolina Mortgage Lender License L-164875; 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; Wisconsin Mortgage Banker License #176724BA; District of Columbia Mortgage Dual Authority License #MLB176724. Revised: September 16, 2020.

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
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