Equal Housing Lender
Fairway NMLS #2289
Ken Powell NMLS #2656628
If you file taxes with an Individual Taxpayer Identification Number instead of a Social Security number, traditional lenders often cannot help you. ITIN mortgage programs exist for exactly this situation, and Ken works with self-employed ITIN borrowers across Maryland and Virginia.
An Individual Taxpayer Identification Number (ITIN) is issued by the IRS to individuals who are required to file U.S. taxes but are not eligible for a Social Security number. ITIN loans are mortgages built for these borrowers: residents and non-residents who are not U.S. citizens, and in some cases their spouses.
If you have been filing taxes with an ITIN, running a business, and building savings, you have been doing the hard part already. An ITIN loan lets that history count.
ITIN programs verify identity, tax filing history, and income, often through the same alternative documentation used for other self-employed programs, such as bank statements or business records. Expect to document, just differently.
Minimums and maximums range depending on loan amount, credit profile, occupancy, number of units, and transaction type. Down payment requirements are typically higher than conventional loans. Ken quotes your actual scenario, not a generic table.
The result is a genuine mortgage on a home in your name, building equity like any other homeowner in Maryland or Virginia.
Yes. ITIN mortgage programs are designed for borrowers who file taxes with an Individual Taxpayer Identification Number. Qualification depends on your income documentation, credit profile, down payment, and the property.
Current ITIN program availability through Fairway is for self-employed borrowers. If you are a W-2 ITIN filer, contact Ken anyway; program guidelines change, and there may be other paths worth reviewing.
It varies by credit score, loan amount, occupancy, and transaction type, and is generally higher than a conventional minimum. Send Ken your scenario for a real number.
Describe your situation: how long you have filed, what your business does, and where you want to buy. Ken will tell you what a workable path looks like.