An ITIN can be part of the right application path
The Mortgage Calculator offers options for eligible borrowers using a valid Individual Taxpayer Identification Number in the mortgage application process. Credit, income documentation, available funds, property and the selected program still need review.
An ITIN identifies a borrower for tax purposes; it does not by itself determine the appropriate mortgage. Explain whether you intend to live in the home, use it as a second home or rent it to tenants.
For a home you plan to occupy
If you intend to live in the property, select primary-residence occupancy in the application. Ask the loan team which income and credit documentation fits your circumstances. Alternative documentation, such as bank statements, may be considered in available programs.
Do not select investment occupancy merely to pursue rental-income qualification. The loan must reflect the actual planned use of the property.
For an investment property
An ITIN borrower may also be an investor. Ask whether the borrower eligibility, income method, rental use and ownership structure can fit the same lender program.
The DSCR path on this site describes business-purpose, non-owner-occupied investments. It is separate from the review required for a home you will occupy.
What to share first
Start with the property state, purchase or refinance purpose, approximate price or value, intended occupancy and an overview of income and available funds. You can say that you use an ITIN without entering the number in a public message.
Provide identification numbers and supporting documents only through the company’s secure application or borrower portal when instructed. The IRS explains that an ITIN is for federal tax purposes and does not itself confer immigration status or permission to work.
Sources & further reading
Program references checked November 11, 2026. The selected lender’s current guidelines and your individual review determine eligibility.