Mortgage options for borrowers without a Social Security Number who file taxes with an ITIN. Flexible documentation and common-sense underwriting for purchase, rate/term refi, or cash-out.

Who This Helps

• Borrowers who file U.S. taxes with an ITIN (no SSN)
• W-2 or 1099 earners, self-employed, and business owners
• First-time buyers and investors (program-specific)

Key Benefits

• No SSN required — qualify with an ITIN
• Flexible income options: W-2, 1099, bank statements, or P&L (per program)
• Purchase, rate/term, and cash-out available
• Primary residence, second home, and many investment properties (program-specific)

Basic Eligibility (varies by investor)

• Valid ITIN and acceptable government-issued ID (e.g., passport; visa per program)
• Credit history or alternative credit (e.g., rental/utility history)
• Down payment/LTV per matrix (e.g., 15–25%+ down is common)
• Reserves required (often 6–12 months of PITIA)
• Property, appraisal, title, and insurance must meet guidelines

Documents You May Need

• Proof of identity (passport/consular ID), valid ITIN letter
• Income docs: W-2/1099, pay stubs, employer letter, or 12–24 months bank statements / CPA P&L (program-dependent)
• Housing/rental history, recent credit report or non-traditional credit references
• Purchase contract/EMD (purchase) or mortgage statement/payoff (refi)

What to Consider

• Non-QM pricing/fees may differ from agency loans
• Down payment and reserves can be higher than conventional
• Not a government loan; FHA/VA/USDA generally require SSN
• Terms vary by investor—Star Financial will match you to the best fit

How It Works

1. Consult & pre-screen (goals, income type, credit profile)
2. Pre-qual with program that fits your ITIN profile
3. Underwriting (verify ID, income, assets; appraisal/title)
4. Close — purchase or refinance with clear next steps

Star Financial • NMLS 1429 • Serving CA, TX & FL
Disclosures: Non-QM program; not a commitment to lend. Eligibility, rates, and terms subject to change and full underwriting approval. All loans subject to credit, income/asset, identity, and property verification per investor guidelines. Star Financial does not provide immigration or legal advice.