ITIN Loans in NC & SC
ITIN mortgages let borrowers in North Carolina and South Carolina buy or refinance a home using an Individual Taxpayer Identification Number — no Social Security number required.
What Is an ITIN Loan?
An ITIN loan is a Non-QM mortgage for borrowers who file taxes with an ITIN instead of an SSN. It’s popular with foreign nationals, visa holders, and non-permanent residents who live and work in the Carolinas.
ITIN Loan Highlights
- ITIN instead of SSN accepted
- 15%–20% down typical
- Credit score 640+ (some programs lower with compensating factors)
- Owner-occupied, 2nd home, and investment
- Loan amounts up to $1.5M+
- Fixed and ARM options
Documentation You’ll NeedValid ITIN letter from IRS
Passport or government-issued photo ID
2 years of tax returns (or bank statements on some programs)
2 years employment history
Proof of residency/utilities
Bank statements for down payment and reserves
Who ITIN Loans HelpForeign nationals working in the Carolinas
DACA recipients and visa holders
Self-employed Spanish-speaking business owners
Families ready to stop renting and build equity
NC & SC Areas We Serve
Charleston, Summerville, Mount Pleasant, North Charleston, Myrtle Beach, Columbia, Greenville, Charlotte, Raleigh, Durham, Asheville, Wilmington, and surrounding NC/SC communities.
Get Pre-Approved
Call (843) 478-5223 or apply online to see if an ITIN loan fits your situation. Se habla español.