What is it?
DirectLenderMatch classifies ITIN Mortgage under the financing form “Mortgage.” Its typical use in this directory is: Borrowers without SSN who have eligible ITIN profile.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: ITIN borrower income/credit/property. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Borrowers without SSN who have eligible ITIN profile.
What backs or supports it?
ITIN borrower income/credit/property.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct mortgage lender
New American Funding
New American Funding currently lists ITIN financing under its Global Advantage Non-QM products.
Official evidence page →Last verified: 2026-08-23
Direct mortgage lender
Total Quality Lending
Total Quality Lending currently offers ITIN mortgage loans for U.S. investment properties.
Official evidence page →Last verified: 2026-08-23
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