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For many hardworking families in Denver, the dream of owning a home can feel out of reach—especially for those without a Social Security number. Fortunately, ITIN loans offer a powerful solution for individuals who file taxes using an Individual Taxpayer Identification Number (ITIN). If you’re an undocumented worker, self-employed immigrant, or anyone navigating homeownership through non-traditional paths, this guide is for you.
At Miranda Mortgage, we believe that homeownership should be accessible to everyone. We specialize in helping people like you make that dream a reality with flexible, education-based mortgage solutions. Here’s everything you need to know about ITIN loans in 2025.
An ITIN loan is a mortgage product designed specifically for borrowers who do not have a Social Security number but file taxes using an ITIN. Issued by the IRS, an ITIN allows individuals to comply with U.S. tax laws even if they aren’t eligible for an SSN.
These loans make it possible for immigrants, foreign nationals, and undocumented workers to finance a home purchase, even if their residency status would typically disqualify them from traditional conventional loans. As long as you’ve been filing taxes with your ITIN and can demonstrate consistent income, an ITIN loan may be within reach.
You must provide two years of federal tax returns filed under your ITIN. If you’ve recently received your ITIN but previously filed under a business EIN or another structure, you’ll need to speak with a qualified CPA about amending those returns. Lenders require IRS-verifiable documentation to confirm your income and filing history.
Just like conventional mortgage loan programs, ITIN loans require proof of steady employment. You’ll need to show at least two consecutive years of work history—ideally in the same field or position. Importantly, this job history must be in the United States and backed by official pay stubs or employer documentation.
Applicants must demonstrate that they have been living and working in the United States. Lenders will look for consistent pay records and address documentation to establish proof of residency.
If your ITIN is new or if your past returns were filed differently, you might still qualify. Speak to your tax preparer or CPA to determine whether past returns can be amended under your ITIN. As long as your CPA can produce two years of accurate, verifiable returns filed with your ITIN, most lenders can work with you.
Most ITIN loans are amortized over 30 years, with options that include both fixed-rate mortgage and adjustable rate mortgage (ARM) options. That gives you the flexibility to choose a product that aligns with your long-term goals and current financial situation.
Because ITIN loans are considered niche products, they often carry slightly higher interest rates than conventional mortgages. That’s largely due to perceived risk among lenders and investors. However, with the right mortgage broker—especially one with access to multiple financial institutions—you can still secure highly competitive terms.
At Miranda Mortgage, we leverage over 20 years of industry relationships to find lenders who not only understand the ITIN loan market but also respect our clients’ unique situations.
Despite their growing popularity, ITIN loans are still surrounded by confusion. Let’s clear up some of the most common myths.
ITIN loans demand a personalized, knowledgeable approach. At Miranda Mortgage, we’re deeply rooted in Denver’s diverse community and committed to providing accessible, client-first service.
Owner and lead mortgage broker Naiely brings a unique perspective to the table. Inspired by her own mother’s journey from renter to homeowner, Naiely understands the emotional and financial challenges immigrant families face. That’s why Miranda Mortgage was built to educate and empower clients, not just close deals.
As an independent brokerage, we’re not tied to one bank or one product. That gives us the freedom to:
If you’re ready to take the next step toward homeownership, here’s what the application process typically looks like.
Applying for a mortgage can feel overwhelming, but the right preparation can make all the difference. Here are a few tips to improve your chances of approval:
While ITIN loans are an incredible resource, they’re just one of the many non-traditional financing solutions we offer. Depending on your circumstances, you might also qualify for:
Having an ITIN doesn’t mean you have to keep renting forever. With the right documentation, the right support, and the right mortgage broker, homeownership is not only possible—it’s within your reach.
At Miranda Mortgage, we’re proud to stand with Denver’s immigrant and working-class communities. We believe that your homeownership journey deserves transparency, compassion, and expert guidance every step of the way.
If you’re ready to explore ITIN loan options, contact Naiely at Miranda Mortgage today. We’ll help you unlock the door to your future—one step at a time.
Call: 303.520.1786
Email: Naiely@BarrettFinancial.com
Based in Denver, Serving Colorado Statewide
