ITIN Home Loans

Bank of England Mortgage is committed to helping people achieve responsible home loans. We have great solutions for people that have an Individual Tax Identification Number (ITIN) who are looking for a mortgage or want to refinance an existing mortgage.

ITIN loans are available to qualifying immigrants and other members of the community who are ineligible to receive a social security number. Our ITIN loan programs are available NATIONWIDE.

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ITIN Loan Overview

  • Minimum 15%-25% Down Payment is Required
  • Available for Loan Amounts Over $75,000
  • Gift Funds are Allowed to Help with Costs
  • No Credit Score Needed for Program
  • ITIN and Co-Borrower with ITIN or SSN is OK
  • 1 Year Tax Return for Income is OK
  • Bank Statements to Verify Income is OK
  • Competitive Rates on 30-year-fixed-rate loans

Underwriting and credit score requirements may be decisioned by a third party.

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Frequently Asked Questions

What is the minimum loan amount?

We are currently offering ITIN financing for loan amounts over $75,000.


How much is the down payment requirement?

A minimum 15% down payment option may be available if a borrower has 5 tradelines that have been opened for 12+ months and a minimum limit of $5K on them. Housing can be one of the tradelines.

With 25% down payment, no tradelines or credit scores are necessary for qualification.

When gift funds are being used, the minimum down payment is 20%.


What documents are typically required?

Most recent federal tax return, one year of income documentation, copy of your ITIN letter, valid government issued photo ID, proof of six months housing payments, proof of funds to close and statements showing funds for the past 60 days.


What types of properties are eligible?

Most types of single family homes, 2-4 unit properties, condos, townhouses, modular homes, and manufactured homes on permanent foundations. Mimimum loan amount is $75K.


Ready to get started?

If you’d like to speak with a mortgage professional about our ITIN loan program or would like to apply for a mortgage, please call the number below or complete the form on this page and we’ll follow-up with you.

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