01
Your goal
The home or property you have in mind and the timing you’re working toward.
ITIN · Loan guide
ITIN loans.
Start with your situation.
Explore mortgage options that accept an Individual Taxpayer Identification Number.
How this program works
What changes the fit.
Utah and Idaho cities on this desk use the same person and a program that has to match the house.
ITIN loans are for borrowers who file taxes with an Individual Taxpayer Identification Number rather than a Social Security number. Not every lender offers them. The ones that do often want a larger down payment and more reserves than a conventional file.
Identification, income, and the property still have to be documented, in Utah or Idaho. Confirm a lender will actually take the file before you write an offer that depends on it. If a family member can gift funds, ask how that gift has to be papered before the contract does.
Who this may fit
Individual Taxpayer Identification Number files.
What to discuss
- Confirm identification and income documentation
- Down payment and reserves still matter
- Confirm lender availability before moving forward
From an option to a plan
Three things to bring.
A first conversation can help you understand the details before a full application.
02
Your income picture
How you earn, what documentation you have, and the monthly payments already in your budget.
03
Your funds
The down payment, reserves, and closing-cost budget you want to work with.
Program availability, terms, and eligibility depend on the lender and your complete application. This overview is not a commitment to lend.
A real person. A clear next step.
Let’s talk about ITIN.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
Brandon MaughanUtah & Idaho · 8am–8pm MT
Keep the comparison open