OnlyWay Mortgage · ITIN mortgage loans
ITIN Mortgage Loans in Georgia
If you file taxes with an ITIN (Individual Taxpayer Identification Number) instead of a Social Security number, owning a home in Georgia may still be possible. Select lenders offer ITIN loans for a home you'll live in. We'll explain every requirement clearly, in English or Spanish.
However you like to decide, start here.
- 01Bottom line firstSkip ahead: book a complimentary consultation and get a written plan.Book your consultation
- 02Show me what's possibleSee if itin mortgage loans is the right fit for what you want next.Is it a fit?
- 03Walk me through itWhat we look at, step by step, so nothing catches you off guard.See the approach
- 04Give me the detailsCommon questions, answered plainly.Read the answers
Who it fits
A good fit when…
- Buyers who file taxes with an ITIN
- Families buying a Georgia home to live in
- Self-employed buyers with a history of filed tax returns
- Buyers who want the process explained in Spanish
How we work
The approach.
- 01Your ITIN and tax filing history
- 02Income and how it's documented
- 03Credit history
- 04Down payment and savings
- 05Identification and residency documents the lender accepts
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Questions
Plainly answered.
Can I buy a home with an ITIN instead of a Social Security number?
It may be possible. Some lenders offer ITIN mortgages for a home you'll live in. They're offered by select lenders, each with its own requirements, so we'll match you with a program that fits.
What documents will I need?
Plan to document your ITIN, income, savings and identity. Each lender decides which documents it accepts, and we'll give you the exact list for your program.
Will the lender ask about my residency?
It may. Federal rules require every lender to make a good-faith determination that you can repay the loan, and current federal guidance allows lenders to consider residency information as part of that review. We'll explain what each lender asks before you apply.
Is an ITIN loan for investment property?
No, this page is about a home you'll live in. If you're buying a rental, ask us about business-purpose investor loans through OnlyWay Capital.
Can you guarantee approval or a rate?
No. Every loan is subject to the lender's review of your credit, income, assets and the home, and rates change daily. We tell you honestly what looks realistic before you spend time or money.
Residential mortgage services are offered in Georgia only.
Residential mortgage
Verify licensing at NMLS Consumer Access. Equal Housing Lender.
Equal Housing Lender. Clients are never required to use an affiliated or suggested service provider. You are free to choose your own lender, closing attorney, inspector, insurer, and other providers.
The right way forwardstarts here.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.