At Borrow with Betty, we understand that the path to homeownership isn’t always straightforward—especially for individuals who don’t have a Social Security Number. That’s why we proudly offer ITIN Loans, a lending option specifically designed to help non-citizens, immigrants, and others with an Individual Taxpayer Identification Number (ITIN) achieve their goal of owning a home. We believe that your immigration status should never stand in the way of your dream.

An ITIN Loan allows qualified borrowers to purchase or refinance a home using their ITIN in place of a Social Security Number. It’s a smart solution for many individuals who are actively contributing to their communities and the economy, yet find themselves excluded from traditional mortgage programs. With this loan, you can stop renting and start building equity in a home that’s truly yours.

We know that many ITIN holders are self-employed or work outside of conventional payroll systems. That’s why our loan process is designed with flexibility in mind. Instead of relying solely on W2s or pay stubs, we look at your full financial picture—including bank statements, tax returns, and other income documentation that accurately reflect your earning potential.

If your credit history is limited or still developing, don’t worry. We accept alternative forms of credit such as rent payment history, utility bills, and other consistent financial records. These documents help paint a fuller picture of your financial responsibility and reliability, increasing your chances of approval without the need for a traditional credit score.

While down payments for ITIN Loans may range from 10% to 20%, depending on your profile, we see this as an investment in your future. A larger down payment may offer you access to better loan terms, lower monthly payments, and more long-term security. Our team will work with you to determine what’s achievable and sustainable based on your goals.

With an ITIN Loan, you can purchase a range of property types—including single-family homes, townhouses, condos, and even multi-unit properties. Whether you’re looking for a permanent residence for your family or a property that can generate rental income, we’ll guide you through your options and help you make an informed decision.

Homeownership provides more than just a roof over your head—it offers financial stability, freedom, and a sense of pride. It allows you to build equity over time and create a lasting legacy for yourself and your loved ones. With an ITIN Loan, you take control of your living situation and stop worrying about rising rents or landlord decisions.

Our mission at Borrow with Betty is to make the mortgage process easy, transparent, and welcoming. We take time to listen, answer your questions, and offer honest advice tailored to your unique background. With bilingual support and a deep understanding of immigrant needs, our team creates a respectful and empowering experience from start to finish.

If you’ve been told homeownership isn’t possible without a Social Security Number, we’re here to tell you otherwise. With our ITIN Loan program, you have a real chance to purchase a home in Illinois and take the next big step in your financial journey. Let us help you unlock that opportunity—because at Borrow with Betty, your goals matter.