For many individuals living and working in the United States, accessing traditional mortgage financing can be challenging without a Social Security Number (SSN). However, homeownership is still achievable through specialized lending programs designed for borrowers using an Individual Taxpayer Identification Number (ITIN). ITIN mortgage programs provide a pathway for non-citizens, foreign nationals, and other qualifying borrowers to purchase a home in the U.S. without traditional credit or SSN requirements. This guide breaks down how ITIN mortgage programs work, who qualifies, what lenders require, and how to improve approval odds.