ITIN Mortgage Program

• Primary purchase, rate/term and cash-out refinance transactions only
• Credit scores as low as 660
• Loan amounts up to $1.25M
• Minimum down payment requirement starting at 15%

Workers and entrepreneurs currently residing in the United States with an ITIN number can qualify. The ITIN Mortgage Program can help make your community more inclusive if you’re a prospective immigrant homeowner in an underserved area with diverse populations.

Individual Tax Identification Numbers are issued to individuals who have US tax filing obligations and are ineligible for Social Security numbers. This benefits non-residents, new residents, dependents or spouses of US citizens/residents and dependents or spouses of non-resident VISA holders. With an ITIN number, non-traditional borrowers have the opportunity to qualify for a home loan with Guild Mortgage.

Qualifying for a home without a Social Security number can be difficult, but it doesn’t have to be. We can help you open the door to new possibilities with our ITIN Mortgage Program. As your partner in the pursuit of home, we live and work in the same communities that you do and are committed to honoring equality throughout the homebuying process.

*Applicants must have Individual Tax Identification Numbers (ITINs) and reside in the United States.

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.