Specialty Loans
Foreign National / ITIN
No Social Security number required. Mortgage options for foreign nationals and ITIN holders.
Whether you're a foreign national investing in Washington property, an immigrant building your life here, or an ITIN holder buying your first home, there are real mortgage paths for you. Most banks turn ITIN files away at the door — broker-shopped, these loans close all the time.
Key Features
- • No Social Security number required
- • ITIN, passport, or foreign ID accepted
- • Down payments from 15–25%
- • Alternative tradelines accepted for credit
- • Primary residence and investment property options
- • Remote closing via power of attorney available
How it works
ITIN and foreign national loans are non-QM products underwritten by portfolio lenders, not sold to Fannie/Freddie. Each investor sets its own credit, down payment, and documentation overlays — which is why broker shopping matters so much. We build a clean documentation package up front (ID, income, credit, assets) and match it to whichever investor has the best terms for your specific profile.
What this looks like in Washington
Washington is one of the most international real estate markets in the U.S. — tech workers on visas, foreign investors buying Seattle and Bellevue condos, immigrant families settling in Kent, Auburn, Federal Way, Renton, and Spokane. WA's lack of state income tax is also attractive to foreign buyers comparing locations. No state-specific restrictions on ITIN or foreign national lending.
Pros
- • No SSN required
- • Alternative credit accepted
- • Path to refinance into conventional later
- • Remote closing available
Cons
- • Higher rates (1.5–3% above conventional)
- • Larger down payment required
- • Fewer lenders to choose from
- • Heavier documentation up front
Best for: Foreign nationals, ITIN holders, and visa holders buying primary residences or investment property in Washington.
Common Questions
Related Loan Types
Popular WA markets for Foreign National / ITIN
ITIN and foreign-national lending is most active in WA's international metros and immigrant-heavy suburbs — Seattle and Eastside for tech-visa buyers, South King for established immigrant communities, Tri-Cities for ag and trades.