ITIN Loans Florida Georgia Maryland DC – No SSN Required: Foreign Nationals & ITIN Borrowers Welcome
ITIN Mortgages
Start your path to homeownership today — even without a Social Security Number! At Jhenesis Mortgage, we specialize in ITIN loans for foreign nationals, non-residents, and ITIN holders across Florida, Georgia, Maryland, and Washington D.C. These flexible non-QM mortgages allow you to qualify using your Individual Taxpayer Identification Number (ITIN) instead of an SSN. Whether you’re a recent immigrant, expatriate, or long-term resident filing taxes with an ITIN, our programs make buying or refinancing a home accessible. Enjoy competitive rates (around 7-8% in 2025), down payments as low as 15-20%, and fast closings — often in 21-30 days. Let’s get started today!
Refinance Options
Our Refinance Options at Jhenesis Mortgage are perfect for ITIN holders and foreign nationals looking to lower their monthly payments or access cash. You can refinance your existing mortgage without a Social Security Number! Jhenesis Mortgage offer flexible terms and competitive rates, making it easier to manage your finances. Whether youʼre looking to reduce your interest rate or tap into your homeʼs equity, our team is here to guide you through the process. Enjoy the benefits of refinancing with a trusted partner who understands your unique needs. Take control of your financial future today!
Key Benefits of ITIN Loans – No SSN Required
ITIN loans open doors for borrowers traditional lenders turn away:
Primary Residence or Investment → Purchase or refinance options. Let’s make your homeownership dreams a reality today!
No Social Security Number Needed → Use your valid ITIN instead.
Foreign Nationals Welcome → Residents and non-residents eligible.
Flexible Down Payments → As low as 15-20% (varies by credit and reserves).
Competitive 2025 Rates → Typically 7-8%, depending on profile.
Fast Closings
At Jhenesis Mortgage, we know your time is valuable. That’s why we offer Fast Closings for ITIN holders and foreign nationals, often within just 21-30 days! You don’t have to wait long to move into your new home. Our streamlined process makes it easy for you to secure your mortgage without a Social Security Number. Our experienced team works diligently to handle all the details and keep you informed every step of the way. With our commitment to efficiency and customer service, you can trust us to help you reach your homeownership goals quickly. Let’s get started now!
ITIN Loan Requirements for Foreign Nationals
Basic eligibility (2025 guidelines):
Down payment & reserves.
Valid ITIN and 2+ years filing U.S. taxes.
Proof of income (pay stubs, bank statements, or international credit).
Credit score ~620+ (alternative credit accepted).
We guide you through documentation — often using foreign credit reports if needed.. Let’s create the perfect plan for you today!
Foreign nationals & ITIN borrowers: Your U.S. home awaits!
Expert Guidance for ITIN Holders and Foreign Nationals
At Jhenesis Mortgage, we specialize in ITIN loans in Florida, Georgia, Maryland, and Washington D.C. — making homeownership possible without a Social Security Number. Navigating ITIN loans can feel overwhelming for foreign nationals and non-residents, but our experienced team provides clear, step-by-step support from start to finish.
We’ll help you understand your ITIN loan options, gather the right documents, and secure competitive rates with down payments as low as 15–20%. Whether you’re buying your first U.S. home or investing in property, we’re committed to guiding you confidently through the entire process.
- Learn more about ITINs from the official IRS website: irs.gov/itin
- U.S. Citizenship and Immigration Services – Home Buying Guide: uscis.gov
Trust Jhenesis Mortgage as your partner for ITIN loans Florida Georgia Maryland DC. Let’s turn your American dream into reality — contact us today!
Ready to begin? Get Pre-Approved for Your ITIN Loan Today Calculate Your ITIN Loan Payment Meet Our Team
ITIN Loan Calculator
No SSN Required – Instant Estimate
Foreign nationals & ITIN borrowers: See your estimated payment in seconds. Low down payments, competitive rates, and fast approvals in Florida, Georgia, Maryland & Washington D.C.
Calculate Your ITIN Loan Payment Now
Rates as of Dec 2025. Actual terms vary by credit & reserves.
Get Your Personalized ITIN Loan Quote
ITIN Loan Calculator: Frequently Asked Questions
Do ITIN loans require a Social Security Number?
No — a valid ITIN is all you need. We welcome foreign nationals and non-residents.
What down payment is required for ITIN loans?
Typically 15–30%, depending on credit, reserves, and property type. Strong profiles qualify for lower.
Can I buy investment property with an ITIN loan?
Yes — primary residence and investment properties are both eligible.
How accurate is this ITIN loan calculator?
Very close for planning. Final quote depends on full underwriting and current rates.