Who this is for
Who this helps
Hard workers without an SSN
Many ITIN holders have long work and tax history in Hawaii.
Self-employed ITIN holders
Bank statement versions are available.
Families
Co-borrowers can combine income.
Investors
Some lenders allow ITIN investment loans.
Program highlights
Highlights
ITIN accepted
A valid ITIN in place of an SSN.
Flexible income documentation
Tax returns, W-2s or bank statements, depending on the lender.
Credit options
Traditional credit, or alternative credit like rent and utilities with some lenders.
Purchase and refi
Including cash-out with some programs.
Qualification guidelines
What lenders look at
Typical guidelines across my lender network. Every file is different, and I will tell you exactly where you stand after a quick review.
| Factor | Typical requirement | Required? |
|---|---|---|
| Valid ITIN | Current, unexpired | ✓ YES |
| ID | Valid government ID (passport, etc.) | ✓ YES |
| Income history | Usually 2 years | ✓ YES |
| Down payment | Often 10–25% | ✓ YES |
| Social Security number | Not required | ✗ NOT REQUIRED |
In Hawaii
Things to know
- Lender list is short, so shopping matters even more.
- Condos must also meet the lender's project rules.
- Bring a plan. I'll tell you what documents to start gathering.
How it works
From first call to closing
- CallYour documents and goals.
- Pre-qualProgram match and down payment.
- ShopITIN lenders compared.
- CloseKeys in hand.
Common questions
ITIN FAQ
Do I need a Social Security number?
No, an ITIN program uses your Individual Taxpayer Identification Number.
Is the down payment higher?
Usually 10–25% depending on credit and property.
Can I use bank statements?
Some ITIN programs accept bank statements for self-employed borrowers.
Are rates higher?
Typically higher than conventional loans.
Sources: 12 CFR 1026.43 (ability-to-repay); lender ITIN program guidelines vary.
Bank statement, P&L, DSCR, ITIN, foreign national, condotel and fix-and-flip programs are non-QM or business-purpose products. They are not conventional, FHA, VA or USDA loans, and rates and down payments are typically higher.
