Buying a Home as an ITIN Holder

Securing a home loan and realizing the dream of homeownership is a significant milestone for many, but for individuals who lack a Social Security Number (SSN) in the United States, this can seem like an insurmountable challenge. Enter ITIN home loans, a financial lifeline for non-U.S. citizens who have an Individual Taxpayer Identification Number (ITIN) looking to purchase property.

Designed for borrowers with Individual Taxpayer Identification Numbers (ITIN), these loans offer a pathway to housing stability, and if you’re an eligible ITIN holder, may be the key to owning your home.

Ready to get started with an ITIN Mortgage? Read on to learn 3 essential steps you should take to start off in the right direction.

Establish & Verify Your Eligibility

The Sauk Valley Bank ITIN Loan Program is designed to help eligible ITIN holders apply for a home loan. Confirm that you’re eligible for an ITIN Mortgage with Sauk Valley Bank by verifying the following:

You are a non-U.S. citizen that has not yet obtained a Social Security Number but does have an Individual Tax Identification Number (ITIN).

You are interested in homes located in communities and the surrounding areas that Sauk Valley Bank services. Contact a Sauk Valley Bank Mortgage Lender for further information.

Talk to a Mortgage Lender

Visit the Sauk Valley Bank ITIN page to find a Mortgage Lending Officer in your area. Speaking with a Mortgage Loan Officer as soon as possible is essential, as they will help you find the right mortgage to fit your specific needs. By working with a Sauk Valley Bank Mortgage Loan Officer, you can be confident that you will receive quality customer service, necessary homebuyer education, and answers to all your questions, regardless of where you are in the homebuying journey. 

Our Mortgage Loan Officers are with you every step of the way and consistently work to make the homebuying process easy to navigate.

Gather Required Financial Forms

Start to gather your necessary financial forms. The sooner you have the required forms together, the sooner your Mortgage Lender can start to evaluate which mortgage solution is right for you.

Some forms that will be necessary when working to obtain an ITIN Mortgage are:

Required Financial Forms

Get in Touch with a Mortgage Lender Today

Working with a Mortgage Lender experienced in ITIN home loans can provide valuable guidance and assistance throughout the process. If you’ve already taken Step 1 and are ready to move forward, don’t hesitate to reach out now! Start the application process today by contacting a Sauk Valley Bank Mortgage Lender.

Mortgage Lending Officers

Douglas E Noble
VP of Mortgage Lending
NMLS # 418458
Brenda S Gratz
VP Mortgage Loan Officer
NMLS # 485160
Dawn L Harrielle
Mortgage Loan Officer
NMLS # 1382445
Angela S Rivera
Mortgage Loan Officer
NMLS # 1312051
Jenifer M Peppers
Mortgage Loan Officer
NMLS # 1835056

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