Home Financing Without a Social Security Number
ITIN loans are designed for borrowers who don’t have a Social Security Number but do have an Individual Taxpayer Identification Number (ITIN). This program makes homeownership possible for non-U.S. citizens, foreign nationals, and individuals working in the U.S. legally but outside the traditional lending system. Equity Partners USA proudly helps open doors to homeownership with this inclusive financing option.
Use Bank Statements Instead of Tax Returns
For self-employed borrowers or those with non-traditional income, bank statement loans provide a smart alternative. Instead of W-2s or tax returns, we evaluate 12 to 24 months of business or personal bank statements to determine income. This solution is ideal for business owners, freelancers, gig workers, and independent contractors.
Flexible Requirements, Real Opportunities
These alternative documentation loans are more flexible when it comes to credit scores, debt-to-income ratios, and documentation. If your income doesn’t fit a traditional box but you can clearly show consistent cash flow, we can help you qualify. We believe in financing based on real earning potential—not just paperwork.
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
Personalized Support for Unique Borrowers
Navigating non-traditional loans can feel overwhelming, but our team specializes in it. We work closely with ITIN holders and self-employed borrowers to ensure a smooth process, clear expectations, and expert guidance from application to closing. Your story matters—and we’re here to support your path to homeownership.
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
