Many working households in Connecticut include tradespeople, contractors and small business owners who pay taxes with an ITIN. When a standard lender asks for a Social Security number, the conversation often ends there. An ITIN home loan looks instead at your identification documents, your filed returns or bank statements, and your payment history. Once your paperwork is in order, you may qualify to buy or refinance a home in Connecticut, subject to credit approval.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Mortgage lenders, brokers and loan originators serving Connecticut are licensed by the Connecticut Department of Banking, Consumer Credit Division. Non-QM loans are made by the same licensed lenders and brokers, so you can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.
Where the numbers point in Connecticut
Counties with the most residents born outside the U.S.:
| County | Residents born outside the U.S. |
|---|---|
| the Western Connecticut Planning Region | 23.8% |
| the Greater Bridgeport Planning Region | 22.5% |
| the Capitol Planning Region | 15.2% |
| the Naugatuck Valley Planning Region | 14.2% |
| the South Central Connecticut Planning Region | 13.7% |
| the Northwest Hills Planning Region | 9.5% |
| the Southeastern Connecticut Planning Region | 8.8% |
| the Lower Connecticut River Valley Planning Region | 8.2% |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 508-8976. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Local pages in Connecticut
- Non-QM lenders in Bridgeport
- Non-QM lenders in Hartford
- Non-QM lenders in New Haven
- Non-QM lenders in Norwich
- Non-QM lenders in Waterbury
- Non-QM lenders in Danbury
- Non-QM lenders in Stamford
- Non-QM lenders in Norwalk
- Non-QM lenders in New Britain
- Non-QM lenders in Bristol
- Non-QM lenders in Meriden
- Non-QM lenders in West Haven
- Non-QM lenders in Milford
- Non-QM lenders in Milford city
- Non-QM lenders in Middletown
- Non-QM lenders in Shelton
- Non-QM lenders in Torrington
- Non-QM lenders in Naugatuck
- Non-QM lenders in New London
- Non-QM lenders in Ansonia
- Non-QM lenders in Wallingford Center
- Non-QM lenders in Willimantic
- Non-QM lenders in Storrs
- Non-QM lenders in Derby
- Non-QM lenders in Conning Towers Nautilus Park
- Non-QM lenders in Jewett City
- Non-QM lenders in Oakville
- Non-QM lenders in Thompsonville
- Non-QM lenders in Riverside
- Non-QM lenders in Kensington
Common questions
Do I need a credit score for an ITIN loan?
Not always. Some ITIN programs use a standard credit report, while others accept alternative credit, such as a record of on-time rent, utility, phone or insurance payments. Lenders usually want those accounts documented with bank records, canceled checks or letters from the companies you pay. A thin file can still work, but expect the lender to look closely at how you have handled the bills you do have.
What if my ITIN has expired?
An ITIN that has gone unused on federal tax returns for a period of time can expire, and many lenders want to see an active number before they move forward. The IRS handles renewals through Form W-7. Sort this out before you apply so your tax returns and identification line up. For help with renewal or filing questions, talk to a tax professional.
Does applying for an ITIN loan involve my immigration status?
A mortgage application is a credit decision, and a loan officer cannot advise you on immigration questions. Lenders ask for documents such as your ITIN letter, passport and a visa if applicable to verify your identity. If you have questions about how buying property or applying for credit relates to your personal situation, consult an immigration attorney before you apply.
Other non-QM options in Connecticut
Bank statement loansNon-QM lendersSelf-employed1099 loansP&L loansAsset depletionNo-doc / stated incomeNew self-employedForeign nationalNon-warrantable condoBank statement HELOCInterest-only
Related guides
- ITIN Mortgages: How Home Loans Work for Borrowers With an ITIN
- What Is a Non-QM Loan?
- How to Compare Non-QM Loan Offers: Loan Estimates, Features and Fit
ITIN Mortgage Loans overview · Connecticut non-QM overview
- Census ACS 2020-2024, table B05002