ITIN mortgage requirements are set by each lender; in the guides reviewed here, ITIN programs appear in AD Mortgage's and Cake's non-QM guides, which require a valid ITIN card or IRS ITIN letter and an unexpired government photo ID, with their own credit score, CLTV and loan-amount limits for ITIN borrowers. On the agency side, Fannie Mae accepts an ITIN in place of a Social Security number but still requires legal residency, Freddie Mac does not buy loans to non-U.S. citizens with no lawful residency status, and FHA requires each borrower to provide a valid SSN. Some non-QM guides require every borrower to have a valid Social Security number, including The Loan Store's and UWM's DSCR investor guides; The Loan Store's states that an ITIN is not permitted.
Agency guides (Fannie Mae, Freddie Mac, FHA)
- Fannie Mae requires each borrower to have a valid Social Security number or ITIN, "in addition to meeting existing legal residency and documentation requirements"; it purchases mortgages to non-U.S. citizens who are lawful permanent or non-permanent residents, and the lender warrants the borrower is legally present. Fannie Mae B2-2-01 Fannie Mae B2-2-02
- Freddie Mac: mortgages to non-U.S. citizens who have no lawful residency status in the United States are not eligible for sale to Freddie Mac. Freddie Mac 5103.2
- FHA: each borrower must provide evidence of a valid SSN; the only exceptions listed are for individuals employed by the World Bank, a foreign embassy or similar employers, government agencies and HUD-approved nonprofits. FHA 4000.1 II.A.1.b.ii
AD Mortgage (non-QM example)
- AD Mortgage's Non-QM guide lets a non-permanent resident alien without an SSN qualify with an ITIN; the borrower must have a valid ITIN card or IRS ITIN letter and an unexpired government photo ID. AD Mortgage Non-QM 13.3.1
- ITIN restrictions: maximum DTI 50%; with gift funds the borrower must contribute at least 5% (primary or second home) or 10% (investment); power of attorney and cash-out transactions are not allowed. AD Mortgage Non-QM 13.3.1
- Super Prime for ITIN borrowers: minimum FICO 660, maximum CLTV 80% for primary or second homes and 70% for investment, maximum loan amount 1.5 MM. AD Mortgage Non-QM 13.3.1
- DSCR for ITIN borrowers: minimum FICO 700, maximum CLTV 70, maximum loan amount 1.5 MM, and a DSCR of at least 1. AD Mortgage Non-QM 13.3.1
Cake (non-QM example)
- Cake's Non-QM guide allows a non-permanent resident alien without an SSN to qualify with an ITIN, subject to a valid ITIN card or IRS ITIN letter, an unexpired government-issued photo ID, and a U.S. credit report for each ITIN borrower. Cake NQM 5.0, 2.1.4
- The USCIS residency documentation required of other non-U.S. citizen borrowers does not apply to ITIN borrowers under this guide. Cake NQM 5.0, 2.1.4
- Cake's Sponge Cake DSCR matrix sets ITIN limits of 700 minimum FICO, 70% maximum CLTV, $1.5mm loan amount and 1.00 minimum DSCR. Cake Sponge Cake DSCR Matrix
Guides that require an SSN (The Loan Store, UWM)
- The Loan Store's Flex DSCR guide requires every borrower to have a valid SSN and states that an ITIN is not permitted. The Loan Store Flex DSCR 300
- UWM's Investor Flex Blue guide states that all borrowers must have a valid Social Security number. UWM Investor Flex Blue
Sources
- Fannie Mae Selling Guide, September 2, 2026 version: B2-2-01, General Borrower Eligibility Requirements (Tax Identification Numbers) (p. 224); B2-2-02, Non–U.S. Citizen Borrower Eligibility Requirements (p. 226)
- Freddie Mac Single-Family Seller/Servicer Guide, September 16, 2026 version: 5103.2, Permanent and nonpermanent resident aliens (p. 5103-4)
- FHA Single Family Housing Policy Handbook 4000.1, August 12, 2026 version: II.A.1.b.ii(A)(1), Social Security Number (p. 151)
- AD Mortgage Non-QM Loan Eligibility Guidelines, September 24, 2026 version: 13.3.1. ITIN (p. 104, 105)
- Cake Non-QM 5.0 Guidelines, September 30, 2026 version: 2.1.4 ITIN Borrowers (p. 7)
- Cake Sponge Cake DSCR Matrix, September 30, 2026 version: Underwriting Requirements: Non-Permanent Resident / ITIN / FN (PDF p. 1)
- The Loan Store Flex NQM DSCR Guidelines, January 2, 2026 version: 300. Borrower Eligibility, Social Security Number (SSN) Validation Requirements (p. 11)
- UWM Investor Flex Blue Guidelines, September 16, 2026 version: Borrower Eligibility (PDF p. 4)
Agency guides set the baseline; individual lenders can add stricter overlays. Sources are the guideline versions in Zeitro Strata as of October 29, 2026.