Mortgage Loan

An ITIN Mortgage Loan Program uses an Individual Tax Identification Number (ITIN) instead of a Social Security Number to secure a mortgage loan.  


An ITIN number is issued to a qualifying foreign individual for taxpaying purposes who is not eligible for a social security number or is without proper documentation. ITIN Loan is not a government insured loan.

What qualifies an undocumented buyer for an

ITIN Mortgage Loan?

U.S. Government Card, Matricula Consular ID or a Passport

2 years of employment in the same or similar line of work. Can be salary or self-employed

2 years of tax returns on the ITIN number for self-employed borrowers

Credit Score reviewed by case by case basis

10%-25% down payment on a case by case basis

How does the

ITIN Mortgage Loan Work?

The loan can be use for a Single Family Home, Townhome, Condo and 2-4 units residential

The property can be used as a primary residence, second home, or even an investment/rental property

Use this loan for a purchase, refinance or cash-out refinance

43%-50% debt ratio subject to compensating factors

Up to 50% of gift funds allowed for downpayment


Mortgage Loan

You want to buy a home, but the bank denied your mortgage application because you’re in the Deferred Action for Childhood Arrivals (DACA) program. 


Don’t give up on your dream of home ownership.

You can get a mortgage if you’re in the DACA program. DACA recipients are eligible for conventional loans.


Social Security Number


Current Employment Authorization Document (EAD card) issued by the U.S. Citizenship and Immigration Services (USCIS) with C33 category

Previous expired EAD Card. Lenders will assume that the USCIS will continue to renew your residency status.


A 620 minimum credit score


Stable employment and income


3% down payment for a single family home, condo, or townhome

Si Se Puede!®


1606 S. El Camino Real,

San Mateo, CA 94402



Adelante California is a marketing partner of Preferred Processing Services. Inc. 3137 Castro Valley Blvd, Suite 207, Castro Valley, Ca 94546. NMLS #236424 BRE # 01342764, Adelante Plus is a pilot program in development for members and family of the United Farmworkers of America (“UFW’) in the Salinas Region of California. The use of UFW Trademarks by Adelante Plus is limited to promoting benefits and services to UFW members, subject to the approval by the UFW Benefits Coordinator. Service providers approved by Adelante California agree to provide all services in Spanish and comply with California Civil Code 1632.5. NAHREP 10 Authored by Gary Acosta, Co Founder of NAHREP, in collaboration with the NAHREP Familia.

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