Often, yes. An ITIN is a 9-digit tax number the IRS gives people who need one for federal taxes but cannot get a Social Security number. FHA requires each borrower to show a valid Social Security number, with a few employer-based exceptions, so most ITIN borrowers cannot use FHA. Fannie Mae buys loans to non-citizens who are lawful permanent or non-permanent residents, and the lender must confirm the borrower is legally present. Many ITIN buyers use specialty non-QM ITIN loan programs. These typically need a larger down payment and cost more, and terms vary by lender.
Middle Tennessee has many hard-working families who file taxes with an ITIN. Owning a home is possible for many of them. The key is finding the right type of loan.
| Loan type | Can an ITIN borrower use it? |
|---|---|
| FHA | Generally no. Each borrower must provide a valid Social Security number (limited exceptions) |
| Fannie Mae conventional | Buys loans to non-citizens who are lawful permanent or non-permanent residents; the lender must confirm legal presence |
| ITIN loan programs (non-QM) | Yes, at many specialty lenders; terms vary by lender |
Terms vary by lender. Non-QM loans are not set by a government agency. Each lender writes its own rules for credit, down payment, rates, and paperwork, and those rules change often. Always ask for the lender’s current guidelines in writing.
It is a 9-digit tax number from the IRS for people who need to file U.S. taxes but cannot get a Social Security number.
Generally no. FHA requires each borrower to show a valid Social Security number, with a few exceptions.
Fannie Mae buys loans to non-citizens who are lawful permanent or non-permanent residents. Ask a lender how your status and paperwork fit.
It is a specialty loan, usually non-QM, made for borrowers who use an ITIN. Terms vary by lender.
It depends on the lender. ITIN loans typically need more down than FHA or conventional loans.
Many lenders use a credit report if you have one. Some also look at rent and utility payment history.
Have an ITIN and want to know your options in Middle Tennessee? Call me at (615) 495-6594, email travis@heathrowmtg.com, or start an application.
Checked October 11, 2026. ITIN loan programs are set by each lender. This page is general information, not legal or immigration advice, and not a loan offer.
