You can buy a home in Colorado Springs without a Social Security number. If you file your taxes with an Individual Taxpayer Identification Number (ITIN) or you are financing from abroad as a foreign national, 719 Lending can match you with lenders who understand your situation and treat you with respect. Rated 4.9★ on Google. (NMLS #1601989, Equal Housing Lender.)
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What is an ITIN or foreign national home loan?
An ITIN is a nine-digit tax processing number the IRS issues to people who pay U.S. taxes but are not eligible for a Social Security number. An ITIN home loan lets borrowers use that number — instead of an SSN — to qualify for a mortgage. A foreign national loan serves buyers who live or earn income outside the United States and may not have an SSN or ITIN at all.
These are typically non-QM (non-qualified mortgage) programs offered through specialized lenders rather than government-backed loans. They are built around verifiable income and a solid down payment, so homeownership may be possible without a Social Security number. We are mortgage professionals, not immigration or legal advisors — for questions about your status, please consult a qualified attorney.
ITIN & foreign national lending in Colorado Springs & El Paso County
Colorado Springs and El Paso County are home to a vibrant, growing immigrant and international community — families putting down roots near Fort Carson, Peterson Space Force Base, the universities, and the small businesses that keep the region running. Many of our neighbors work hard, file taxes faithfully, and save diligently, yet assume a home of their own is out of reach without an SSN. It does not have to be. As a local broker, 719 Lending knows the El Paso County market, works with bilingual-friendly partners, and helps ITIN and foreign national buyers compete for homes from the west side to Falcon, Fountain, and Monument.
Benefits
- Buy a home using your ITIN — no Social Security number required.
- Build equity and stability for your family instead of paying rent.
- Alternative credit accepted by many lenders (rent, utilities, phone, insurance) if you lack a traditional credit score.
- Self-employed and 1099 income welcomed when properly documented.
- Local, personal guidance from a broker who shops multiple lenders to find your fit.
- A welcoming, judgment-free process focused on your numbers, not your paperwork stress.
Who may qualify & what is required
- A valid ITIN (for ITIN loans) or qualifying foreign national documentation.
- Steady, verifiable income — commonly two years of tax returns, W-2s/1099s, or bank statements.
- A larger down payment than a typical conventional loan — ITIN programs commonly run from about 10% to 25% down, and foreign national programs often more, depending on the lender and your profile.
- A minimum credit score that often starts around 600 with traditional credit, or several months of alternative credit references if you have no score.
- Cash reserves and proof of funds, which many lenders require.
Every lender sets its own rules. The best way to see if you may qualify is a quick, no-pressure conversation.
The process in Colorado Springs
- Talk to us. Call or text (719) 888-5253 so we can learn your goals and check your eligibility.
- Gather documents. We will tell you exactly what is needed — ITIN letter, tax returns, income proof, and down-payment funds.
- Get pre-approved. We shop our lender network to find a program that fits, then issue a pre-approval so you can shop with confidence.
- Find your home & submit. Make an offer on an El Paso County home; we package and submit your file.
- Close. After appraisal and final approval, you sign and get the keys.
How ITIN & foreign national loans compare to other options
If your situation changes — for example, you obtain an SSN or permanent residency — you may gain access to other programs down the road. It is worth understanding your full menu of options:
- First-Time Home Buyer in Colorado Springs
- FHA Loan in Colorado Springs
- Low Down Payment Purchase Options
- Conventional Fixed-Rate Mortgage
- See all loan options
Why Colorado Springs chooses 719 Lending
We are a local Colorado Springs broker with deep ties to El Paso County and a reputation for treating every borrower like a neighbor. As a broker, we compare programs from many lenders to find your best fit instead of selling one product. See what our clients say on our reviews page, then let us help you take the first step toward owning your home.
ITIN & Foreign National Loan FAQ
Can I get a mortgage without a Social Security number?
Yes. If you have an ITIN, you may qualify for an ITIN home loan, and foreign national programs exist for buyers without an SSN or ITIN. We can check your eligibility and explain which programs fit your situation.
How much down payment do I need for an ITIN loan?
It varies by lender, but ITIN programs commonly require roughly 10% to 25% down, and foreign national loans often require more. Your exact requirement depends on your income, credit, and the property — ask us for a tailored estimate.
What if I do not have a traditional credit score?
Many ITIN lenders accept alternative credit, such as 12 months of on-time rent, utility, phone, or insurance payments, in place of a traditional score. We will help you assemble the references lenders look for.
Do ITIN loans cost more than regular mortgages?
Because they are specialized non-QM programs, ITIN and foreign national loans can carry different rates and terms than conventional loans. We shop multiple lenders to find competitive pricing for your profile; contact us to see current options.
719 Lending, NMLS #1601989, Equal Housing Lender. This is not a commitment to lend; all loans are subject to credit approval and property appraisal. ITIN and foreign national loans are specialized non-QM programs; eligibility, down payment, credit, reserve, and documentation requirements vary by lender and are subject to change. 719 Lending does not provide immigration, legal, or tax advice — please consult a qualified professional regarding your status. Figures referenced are current as of 2026 and subject to change without notice.