Angel Oak ITIN Mortgage Loan

Mortgage Financing For Borrowers Without SSN
ITIN mortgage is a mortgage financing option for individuals without SSN.
$125,000 - $2.5M
Loan Amounts
Up to 50%
Credit Score


Best For
Borrowers looking for a mortgage who don't have a Social Security Number.
Loan Amounts
Loans up to $2.5 million, with a minimum loan amount of $125,000.
One year seasoning for foreclosure, short sale or deed-in-lieu.
Two years seasoning for bankruptcy.
Property Type
Loan available for primary homes only.
Debt-to-income and Credit Score
Up to 50% DTI and 720 credit score.


If you’re shopping for a mortgage loan in the United States but don’t have a social security number (SSN), you might be wondering whether you qualify for a home loan. The good news is that you can qualify for a mortgage, provided that you have an Individual Tax Identification Number (ITIN). 

ITIN mortgage loan is a Non-Qualified Mortgage (Non-QM) product for individuals without SSN. Find out whether an ITIN mortgage loan is right for you and how to qualify for one.

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Angel Oak ITIN Mortgage Loan

Mortgage Financing For Borrowers Without SSN

About Angel Oak Home Loans

Angel Oak Home Loans is a full-service lender that offers innovative mortgage products to its borrowers. The lender provides a broad range of traditional and Non-QM mortgage products designed to meet borrowers’ home financing needs. 

Angel Oak’s Home Loans prides itself in its full-suite lending platforms tailored for retailers and consumers. Through their retail lending platform, Angel Oak’s licensed mortgage originators work with borrowers looking to purchase or refinance in the Southeast, the Eastern, and Western regions. The consumer direct platform directly integrates customers with its loan products through the company’s digital lending platform.

What is An ITIN Mortgage Loan?

An individual taxpayer identification number (ITIN) mortgage is a loan type designed for homebuyers who have a tax ID but don’t have a social security number. In other words, you can qualify for a mortgage as long as you have an ITIN and meet the eligibility requirements. 

This loan product is a full doc, non-QM mortgage, meaning borrowers must present the needed documentation and information to determine eligibility. Typically, the paperwork needed differs depending on the lender and the borrower’s current situation.

Can You Get a Mortgage With ITIN?

The short answer is yes. With an ITIN, you can qualify for a mortgage. ITIN is typically used instead of social security number for identification purposes and to prove that you’re paying your taxes. 

With an ITIN, mortgage lenders may be more willing to approve a mortgage loan because an ITIN number puts you in the category of those who have clear ties with the U.S. The only problem is that you may have to go past traditional banks to secure the mortgage. 

Traditional banks are more reluctant to give a loan because of their strict documentation. However, private lenders like Angel Oak have more lenient requirements with a quick closing.

Benefits of ITIN Mortgage Loans

ITIN mortgage loan has various benefits, including:

No Social Security Number Needed

If you’re not a U.S. resident or do not meet certain requirements to qualify for an SSN, you can apply for an ITIN and use the number to get more restricted services like a mortgage. Your ITIN number allows you to take out a tax ID loan without having to prove your legal residency.

Use It to Refinance Mortgage

With an ITIN, you can get a tax ID loan that allows you to refinance your loan, such as a mortgage. Refinancing replaces your current debt obligation with a new loan, typically with more favorable terms. Homeowners often refinance mortgages to lower interest rates, reduce monthly payments, or adjust loan terms.

Help Build Credit

An ITIN loan can help you build credit when you make timely monthly payments. The higher your credit score, the easier it is to secure other significant loans. At one point, you may need an auto loan, student loan, or a personal loan, and good credit can improve your approval odds. 

Better Than Hard Money Loans

Applying for an ITIN loan is cheaper than hard money loans. A hard money loan is a type of loan that is secured by the value of the property. The property serves as collateral in case you don’t pay the loan. Interest rates charged on hard money loans are always higher than a traditional mortgage or ITIN loans.

Simple Application Process

The application process for an ITIN loan is simple, easy, and can be done online. All you need is a computer and internet access to get one step closer to your dream home. You’ll need to fill out an online application form and present the documentation to prove your identity. You may also need to provide proof of steady income and proof that you file your annual tax returns.

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Angel Oak ITIN Mortgage Loan

Mortgage Financing For Borrowers Without SSN

How to Qualify for an ITIN Mortgage Loan

The requirements needed to qualify for an ITIN loan vary based on the lender and the type of ITIN mortgage loan you choose. Generally, you need at least a 15% downpayment for a home you want to buy. The exact percentage of the downpayment will depend on your credit report.

Is an ITIN Mortgage Loan Right for You?

ITIN loans are suitable for borrowers who do not have a social security number and want a mortgage. If you are shopping for a non-QM mortgage to refinance or purchase your dream home but don’t have an SSN, you may secure a loan using your ITIN card. 

Requirements to Get A TIN Mortgage Loan with Angel Oak

To qualify for an ITIN mortgage loan with Angel Oak, you must meet the following requirements: 

  • Have an ITIN number
  • A credit score of at least 720
  • Up to 50% debt-to-income ratio (DTI)
  • Looking to refinance your primary residence only

How to Get an ITIN Mortgage Loan with Angel Oak

If you’re interested in an ITIN loan, fill out the Angel Oak online application form to inquire about the mortgage product. Angel Oak’s licensed professional will be in touch with you and walk you through the entire process.

Other Home Loans From Angel Oak

Apart from ITIN mortgage, Angel Oak offers other non-QM mortgage financing options, including:

  • Bank Statement Loan: This mortgage product is suitable for eligible self-employed people without tax returns. If you’re self-employed, you can qualify for a mortgage using your bank statements to verify your income instead of tax returns. 
  • 1099 Income Loan: This mortgage financing option is ideal for individuals whose W-9’s do not qualify for a mortgage under agency guidelines. Such borrowers include freelancers and contractors and can use 1099 forms instead of tax returns to apply for a mortgage. 
  • Investor Cash Flow Loan: If you’re a property investor looking to grow your real estate portfolio, you can use cash flow on your property to qualify for a home loan.
  • Jumbo Loan: The Angel Oak Home Loans Jumbo program is for homebuyers looking to purchase or refinance higher-priced properties that exceed the conforming limits set by the Federal Housing Agency.
  • Asset Qualifier Home Loan: This is a mortgage loan product that allows borrowers to secure mortgages using their liquid assets instead of income. Liquid assets can include checking and savings account, retirement, and investments like stocks or mutual funds. 
  • Foreign National Program: Also referred to as a foreign national loan, this loan program is designed to help non-citizens purchase or refinance homes in the United States. 
  • Traditional Home Loans: Angel Oak also offers traditional home loans, such as conventional home loans, FHA home loans, USDA home loans, and veteran affairs home loans.
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Angel Oak ITIN Mortgage Loan

Mortgage Financing For Borrowers Without SSN

This Company Also Offers

Angel Oak asset qualifier loan can help you purchase or refinance your home using your liquid assets. Here’s what you need to apply.
Are you looking to finance a home too expensive for a conventional loan? An Angel Oak Jumbo Loan can provide financing for up to $3.5 million.
An Angel Oak investor cash flow loan can provide funds to expand your real estate investments. Learn what it takes to qualify.
If you are a self-employed borrower looking for a mortgage, learn how an Angel Oak 1099 income loan can help you buy a home.
Are you a self-employed worker struggling to get a loan? An Angel Oak bank statement loan can help you obtain financing for a home.
Learn more about the foreign national program by Angel Oak, a loan option for non-U.S. residents looking to purchase or refinance a home.

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