ITIN mortgage loans let borrowers who file taxes with an Individual Taxpayer Identification Number buy a primary residence in Illinois without a Social Security number or permanent residency. Typical requirements are a 10% to 20% down payment, two years of tax returns filed under the ITIN, proof of steady income and an alternative credit history such as rent and utility payments. Jorge Flores' bilingual team in Berwyn originates ITIN loans across Chicagoland: (708) 220-3364.
Yes. ITIN mortgage programs let borrowers who file taxes with an Individual Taxpayer Identification Number buy a primary residence without a Social Security number or permanent residency. Expect a larger down payment than an FHA loan — commonly 10% to 20% — plus two years of tax returns filed under the ITIN, proof of income, and a rental or alternative credit history. Jorge Flores' bilingual team in Berwyn originates ITIN loans across Chicagoland: (708) 220-3364.
Most government-backed DPA programs, including IHDA, require a Social Security number, so ITIN borrowers generally cannot use them. Some lender-funded and community programs are more flexible. The practical path for ITIN buyers is usually a larger down payment combined with seller credits and a rate buydown, which a bilingual loan officer can structure.
Jorge A. Flores, Senior Mortgage Loan Officer, NMLS #224368. Neighborhood Loans, NMLS #222982. Berwyn, Illinois. Telephone (708) 220-3364. Service available in English and Spanish.
Down payment assistance programs · Loan options · Check your eligibility · Español
Equal Housing Lender. Neighborhood Loans is an Illinois Residential Mortgage Licensee. This is not a commitment to lend. All loans subject to credit approval; program terms, amounts and availability are subject to change.