Borrowers in Virginia who have an ITIN instead of a Social Security number often find that banks and agency programs are not set up for them, even with steady income and a solid record of paying bills. ITIN mortgage programs fill that gap by using IRS-issued identification, tax returns filed with an ITIN and, in some cases, alternative credit. Programs vary by borrower, property and investor, so it helps to talk with someone who handles ITIN files in Virginia regularly.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Mortgage lenders, brokers and loan originators serving Virginia are licensed by the Virginia State Corporation Commission, Bureau of Financial Institutions. 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 Virginia
Counties with the most residents born outside the U.S.:
| County | Residents born outside the U.S. |
|---|---|
| the City of Manassas Park | 36.8% |
| the City of Manassas | 32.4% |
| Fairfax County | 30.8% |
| the City of Fairfax | 30.6% |
| Loudoun County | 27.4% |
| Prince William County | 26.3% |
| the City of Alexandria | 24.9% |
| Arlington County | 22.4% |
| the City of Harrisonburg | 17.8% |
| the City of Falls Church | 16.6% |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
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- 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 Virginia
- Non-QM lenders in Virginia Beach
- Non-QM lenders in Richmond
- Non-QM lenders in Chesapeake
- Non-QM lenders in Norfolk
- Non-QM lenders in Arlington
- Non-QM lenders in Roanoke
- Non-QM lenders in Newport News
- Non-QM lenders in Fredericksburg
- Non-QM lenders in Alexandria
- Non-QM lenders in Hampton
- Non-QM lenders in Lynchburg
- Non-QM lenders in Charlottesville
- Non-QM lenders in Portsmouth
- Non-QM lenders in Suffolk
- Non-QM lenders in Blacksburg
- Non-QM lenders in Williamsburg
- Non-QM lenders in Winchester
- Non-QM lenders in Centreville
- Non-QM lenders in Dale City
- Non-QM lenders in Harrisonburg
- Non-QM lenders in Reston
- Non-QM lenders in Staunton
- Non-QM lenders in Leesburg
- Non-QM lenders in Ashburn
- Non-QM lenders in Tuckahoe
- Non-QM lenders in McLean
- Non-QM lenders in Danville
- Non-QM lenders in Lake Ridge
- Non-QM lenders in Annandale
- Non-QM lenders in Burke
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.
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.
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.
Other non-QM options in Virginia
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 · Virginia non-QM overview
- Census ACS 2020-2024, table B05002