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What is an ITIN Loan?

Updated: Jul 11, 2023

At Champions Funding, we are proud to offer access to financing for your borrowers who are Non-U.S. citizens and utilize an Individual Taxpayer Identification Number (ITIN). An ITIN loan expands the American Dream to more borrowers.



What is an ITIN Loan?

In lieu of a Social Security Number for identification, borrowers can utilize their Individual Taxpayer Identification Number (ITIN) to qualify for a mortgage. Issued by the IRS, an ITIN allows those unable or ineligible for a SSN a means to process and account for tax returns and payments.


An ITIN loan is designed for homebuyers who may not have access to the traditional documentation required to qualify for traditional financing. Lenders, like Champions Funding, offer ITIN financing for both homebuyers and real estate investors.


ITIN Loan Programs at Champions Funding

Graphic comparing ITIN loans

Subject to change. Please read our full guidelines for more information.


Your borrowers may qualify for a loan with an ITIN number. No W2s are required!


Tip: Don’t upload docs with a SSN for an ITIN loan.


Why ITIN Loans Matter

At Champions Funding, we are on a mission to serve the underserved. Underbanked markets are filled with creditworthy borrowers who are looking for financing. Non-QM products like ITIN mortgage loans open opportunities for borrowers, plus stimulate economic growth in often overlooked communities.


The Benefit of Offering ITIN Loans

As a Loan Officer, increasing your offerings can increase your business. When you offer a Non-QM loan product, like an ITIN loan, you expand your pool of potential borrowers plus add a differentiator to your services. Increase opportunity, regardless of market changes, with ITIN loans at Champions Funding.


We are happy to say "ITIN for the Win!" Win deals and make an impact. Partner with Champions Funding to increase your business and opportunities. Sign up today

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