Refinance or restructure your loan with clarity, compliance, and confidence — even if your situation doesn’t fit the traditional lending box.

Smart Mortgage Solutions When Banks Say No

At Call The Mortgage Guy, we help borrowers navigate non-QM, refinance, and custom loan solutions by starting where most lenders don’t: proper underwriting and compliant structure.
Whether you’re self-employed, carrying unconventional income, or stuck in an unfavorable loan, we focus on building terms that actually work — not just pushing applications.

ITIN Mortgage Loan Options

Home financing solutions for qualified borrowers using an ITIN number

Program Highlights

Flexible income documentation options, including 12 or 24 months of bank statements
Full documentation loan programs available
Purchase and rate & term refinance options available
Cash-out refinance options for qualified borrowers
Higher debt-to-income ratios may be accepted depending on scenario
Eligible property types may include:
- Single-family homes
- PUDs
- Townhomes
- Duplexes
- Approved condominiums
Primary residence financing available
15-year and 30-year fixed-rate options
Gift funds may be allowed for part of the down payment
Reserve requirements may apply
Multiple loan solutions available based on lender guidelines

Homeownership Without a Social Security Number

Individual Taxpayer Identification Number (ITIN) mortgage loans are designed for borrowers who do not have a Social Security Number. Qualified applicants may still be able to purchase or refinance a home using an ITIN, provided they meet lender requirements. These flexible loan programs help make homeownership possible for individuals and families living and working in the United States.

Contact CallTheMortgageGuy

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Built for Borrowers Who Don't Fit the Bank Box

Mortgage Solutions Designed for Real-World Financial Situations

Most lenders are trained to look for reasons to say no.
We’re built to look deeper.

At Call The Mortgage Guy, we specialize in refinance and non-QM solutions for borrowers with complex income, unconventional circumstances, or loans that no longer serve them. Our approach starts with underwriting and structure — not just rate sheets or automated approvals.

Ready to See What's Possible?

Start With a Conversation - Not An Application

You don’t need perfect credit, clean W-2s, or a bank-approved story to get clarity.
We’ll review your situation, identify where the friction is, and determine whether a better structure exists — before you commit to anything.

STILL NOT SURE?

FAQ's

What is an ITIN mortgage loan?

An ITIN mortgage loan is for borrowers who do not have a Social Security Number. Qualified applicants may still be able to purchase or refinance a home using an ITIN, depending on lender guidelines.

Can I use an ITIN number to get a mortgage?

Yes, some lenders offer mortgage programs for borrowers with an ITIN number. Applicants must still meet requirements such as income, credit, and down payment eligibility.

Is an ITIN mortgage a full documentation loan?

Yes, most ITIN mortgage programs require income and financial documentation to determine eligibility. Required documents may vary based on the borrower’s situation and lender guidelines.