ITIN loans & mortgages in Columbus, OHPréstamos y mortgages ITIN en Columbus, OH
No Social Security number? You may still be able to buy a home. ITIN mortgages are designed for buyers who file taxes with an Individual Taxpayer Identification Number, and we connect you with ITIN-friendly bilingual lenders, in English or Spanish, every step of the way.¿No tienes Seguro Social? Aún podrías comprar casa. Los mortgages ITIN son para quienes declaran impuestos con un Número de Identificación Personal del Contribuyente (ITIN), y te conectamos con prestamistas bilingües que aceptan ITIN, en inglés o español, en cada paso.
What is an ITIN mortgage?¿Qué es un mortgage ITIN?
An ITIN mortgage is a home loan made to a buyer who files U.S. taxes with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. Lenders who offer these programs look at your income, your savings, and your history of paying bills, much like any other mortgage, but they accept an ITIN in place of an SSN.
These are not government loans, and they are not the same as FHA or conventional loans. They're offered by specific lenders who choose to serve this market, so terms, down payment, and rates vary from one lender to the next. We don't lend money or set those terms, but we know which bilingual lenders work with ITIN buyers, and we'll point you to them so you can compare offers side by side.
If you're early in the journey, our first-time home buyer guidance pairs naturally with this page. Buying a home with an ITIN follows the same path as any other purchase, get pre-qualified, tour homes, make an offer, and close, the main difference is choosing a lender who accepts your ITIN. We'll walk that path with you in your language so nothing gets lost in translation.
Who may qualify, and what you'll likely needQuién podría calificar, y qué necesitarás
Every lender has its own rules, and approval is always subject to lender review and eligibility. That said, buyers who qualify for programs like these usually share a few things in common: a valid ITIN, steady income they can document, and money saved for a down payment and closing costs.
To get a clear answer, an ITIN-friendly lender will typically ask to see documents such as:
- Your ITIN and a valid photo ID (such as a passport or consular ID)
- Two years of tax returns filed with your ITIN, when available
- Recent pay stubs or proof of self-employment income
- Bank statements showing savings and a down payment
- A history of paying rent, utilities, or other bills on time
How Byron helps you move forwardCómo Byron te ayuda a avanzar
Byron Diaz came to Columbus from the Dominican Republic and built his future on homeownership, so he knows how confusing the loan world can feel when you're new to the system, and how much it matters to be understood in your own language. His fully bilingual team has helped families across Columbus buy with confidence, earning a 5.0-star rating along the way.
Here's the honest part: our team does not originate loans, and no one can promise approval, a rate, or a specific program before a lender reviews your file. What we can do is listen to your situation, connect you with trusted bilingual lenders who work with ITIN buyers, and stand beside you from your first question to the day you get your keys. Many ITIN buyers also explore down payment assistance options, and our ITIN mortgage guide walks through the details. Ready to talk it through? Call or text (614) 446-9616 for a free, no-pressure consultation, in English or Spanish.
Frequently asked questionsPreguntas frecuentes
Can I buy a house without a Social Security number?¿Puedo comprar casa sin Seguro Social?
Often, yes. ITIN mortgage programs are designed for buyers who file taxes with an ITIN instead of an SSN. Whether you qualify depends on the lender and your situation, it's always subject to lender approval and eligibility, but many hardworking families do. We'll connect you with bilingual lenders who can review your file for free.Muchas veces, sí. Los programas de mortgage ITIN son para quienes declaran impuestos con un ITIN en lugar de un SSN. Si calificas depende del prestamista y tu situación, siempre sujeto a aprobación y elegibilidad, pero muchas familias trabajadoras lo logran. Te conectamos con prestamistas bilingües que revisan tu caso gratis.
How much down payment do I need for an ITIN loan?¿Cuánto enganche necesito para un préstamo ITIN?
It varies by lender. ITIN programs often ask for a larger down payment than government-backed loans, but the exact amount depends on the lender, your income, and your credit history. We'll help you understand what to expect and connect you with lenders so you can compare offers, there's no single answer until a lender reviews your file.
Do you lend the money or approve the loan?¿Ustedes prestan el dinero o aprueban el préstamo?
No. We're your real estate team, not a lender, we don't originate loans, set rates, or approve mortgages. Our job is to guide you, connect you with ITIN-friendly bilingual lenders, and help you find and buy the right home. All loan decisions are made by the lender, subject to their approval and eligibility rules.No. Somos tu equipo de bienes raíces, no un prestamista, no originamos préstamos, fijamos tasas ni aprobamos mortgages. Nuestro trabajo es guiarte, conectarte con prestamistas bilingües que aceptan ITIN y ayudarte a encontrar y comprar la casa correcta. Las decisiones del préstamo las toma el prestamista, sujeto a su aprobación y elegibilidad.
Do you speak Spanish?¿Hablan español?
Yes, our whole team is bilingual. Every step, document, and conversation can happen in English or Spanish, and we'll point you to lenders who speak your language too.Sí, todo nuestro equipo es bilingüe. Cada paso, documento y conversación puede ser en inglés o español, y te conectamos con prestamistas que también hablan tu idioma.
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Let's make a plan together. Your first step is just a conversation.Hagamos un plan juntos. Tu primer paso es solo una conversación.