ITIN Mortgage Loans in Pennsylvania
Many hardworking people in Pennsylvania build lives here, pay taxes, and want to own a home — but don’t have a Social Security number. An ITIN mortgage uses your Individual Taxpayer Identification Number instead. Dynamic Funding Solutions, Inc. offers ITIN loan programs across Pennsylvania and Florida.
What Is an ITIN Mortgage?
- Uses ITIN (Individual Taxpayer Identification Number) instead of SSN
- Non-QM loan program — outside conventional guidelines
- Requires 2-year tax filing history using ITIN
- Credit alternatives accepted (rent payment history, utility bills, 12-month bank statements)
- Down payments typically 10–20%
- Available for purchase and refinance
Who Qualifies for an ITIN Home Loan in Pennsylvania?
- Must have valid ITIN (Form W-7 from IRS)
- 2 years of ITIN tax returns
- Stable income — employment, self-employment, or business
- 12–24 months bank statements as income documentation alternative
- No minimum credit score required by all lenders — some accept thin file with alternative tradelines
ITIN Mortgage in Pennsylvania — What You Need
- ITIN number (9-digit, starts with 9)
- 2 years ITIN tax returns (1040 with ITIN)
- 12 months bank statements
- Proof of current address (utility bills, lease)
- 2 years employment or self-employment history
ITIN Loan Programs Available
- Full-doc ITIN (standard Non-QM)
- Bank statement ITIN (12 or 24 months deposits)
- 1099 ITIN (for independent contractors)
- DSCR ITIN (for investors — qualifies on property income)
ITIN Mortgage Rates and Terms
- Rates slightly higher than conventional (Non-QM premium)
- 30-year and 15-year terms available
- Fixed and adjustable rate options
- Typically 10–25% down payment required
- LTV up to 80–85% depending on program and lender
Frequently Asked Questions — ITIN Mortgage Pennsylvania
Can I buy a house with just an ITIN number?
Yes. ITIN mortgage programs are specifically designed for borrowers who have an ITIN rather than an SSN. You will need 2 years of ITIN tax returns and alternative credit documentation.
What is the minimum down payment for an ITIN loan?
Most ITIN programs require 10–20% down. The exact amount depends on the lender, your credit history, and the property type.
Do I need a credit score for an ITIN mortgage?
Not all lenders require a traditional credit score. Some accept alternative credit — 12 months of on-time rent payments, utility bills, or a clean bank statement history.
Can I use an ITIN mortgage for an investment property?
Yes. DSCR loans can be structured for ITIN borrowers who want to purchase investment properties in Pennsylvania. The loan qualifies on the property’s rental income, not your personal income.
Call Lena Polnet directly at (215) 364-7171 or contact Dynamic Funding Solutions to discuss your ITIN mortgage options. We work with ITIN borrowers across Pennsylvania and Florida.
Dynamic Funding Solutions, Inc. — NMLS #17144 | Lena Polnet — NMLS #17225 | Licensed in Pennsylvania and Florida | Equal Housing Lender