Borrowers filing with an Individual Taxpayer Identification Number can qualify through lenders that accept alternative credit. These directory lenders advertise ITIN products to the broker channel.
Matching wholesale lenders (12)
OCMBC, Inc — ITIN, Irvine, CA (source checked 2026-07-26)
Quontic Bank — ITIN, New York, NY (source checked 2026-07-26)
How to structure this scenario
Gather 12 months of alternative tradelines — rent, utilities, insurance — before submitting.
Ask whether the program allows a co-borrower with a Social Security Number.
Down payment sourcing and seasoning rules are usually stricter than agency.
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.