Homeownership for Everyone

Opening Doors to Homeownership

At Oak Leaf Community Mortgage, we believe that everyone deserves the opportunity to own a home. That’s why we offer mortgage loans for individuals without Social Security Numbers, using Individual Taxpayer Identification Numbers (ITIN). If you have an ITIN, our dedicated team is here to help you navigate the path to homeownership with tailored loan options that suit your unique situation.

Best For: This product is ideal for non-resident aliens, foreign nationals, and other individuals residing in the U.S. who have an ITIN and are looking to purchase or refinance a home but are ineligible for traditional financing due to the absence of a Social Security number.

Tailored Mortgage Solutions for ITIN Holders

Inclusive Financing:

Designed specifically for non-U.S. citizens or residents with an ITIN, our program offers inclusive financing options.

Competitive Terms:

Enjoy loans with competitive interest rates and flexible repayment terms that suit your unique financial situation.

Simple Application Process:

Our straightforward application process ensures a smooth and clear path to obtaining your mortgage, making it easier for you.

Expert Guidance:

Count on our experienced loan officers who specialize in working with ITIN borrowers to provide personalized assistance and valuable advice throughout your home buying journey.

Let’s Connect!

We’re here to answer your questions and get you started on your mortgage journey.

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Qualifying for an ITIN Mortgage Loan

1

ITIN
Requirement:

To qualify for our ITIN Mortgage Loan, you must have a valid Individual Taxpayer Identification Number (ITIN).

2

Income
Verification:

We require proof of stable and consistent income. This can include documents such as tax returns, pay stubs, or other forms of income verification.

3

Credit
Consideration:

In the absence of traditional credit scores, we consider alternative credit data or rental payment history to evaluate your creditworthiness.

4

Down
Payment:

 A minimum down payment is required to secure your mortgage. Please contact our team for specific details regarding down payment percentage and available options.

Start Your Homeownership Journey With Us.

How to Apply:

Start Your Homeownership Journey with Us.

Consultation:

Schedule a meeting with our experienced loan experts to discuss your unique needs and gain a clear understanding of the loan process. 

Document Preparation:

Gather the necessary documents, including your ITIN, proof of income, and any credit documentation you have.

Loan Application:

Submit your loan application along with the required documentation. You can complete the application online through the link below or follow the provided instructions for the submission process.

Start your loan application >

Empowering Your Path to Homeownership

At Oak Leaf Community Mortgage, we’re dedicated to making homeownership accessible and achievable, regardless of your Social Security status. Our ITIN loan program is a testament to our commitment to serve all members of our community. Reach out today, and let’s take the first step towards making your dream home a reality.

Success Stories

“I couldn’t have imagined owning my own home without the help of Oak Leaf Community Mortgage’s ITIN loan program. From the moment I inquired, they guided me through the entire process. The Oak Leaf Lending Team was incredibly supportive and made sure I understood every step. Thanks to their expertise, I’m now a proud homeowner.”

- Maria G., Achieved Homeownership with Oak Leaf's ITIN Loan

Frequently Asked Questions

Interest rates for ITIN loans can vary based on several factors, including your creditworthiness and the current market conditions. To get specific information about interest rates, please contact our loan experts.

Yes, ITIN loan programs are available to first-time homebuyers who meet the eligibility criteria. These loans are designed to provide financing options for non-U.S. citizens or residents with an ITIN.

ITIN loans can be used to finance various property types, including single-family homes, condominiums, and townhouses. To learn more about eligible property types and criteria, please get in touch with our loan experts.