Get a Home Loan Without a Social Security Number
Patron Mortgage helps ITIN holders purchase, refinance, and access equity — even without a Social Security Number. Serving California borrowers since day one.
ITIN Loan Programs We Offer
Whether you're buying your first home or tapping into your equity, we have an ITIN loan program for you.
ITIN Purchase Loans
Buy your first home or investment property using your ITIN number. We work with lenders who specialize in ITIN borrowers and can help you qualify with as little as 10–20% down.
Learn about ITIN Purchase Loans →ITIN Refinance Loans
Already own a home with an ITIN loan? Refinance to a lower rate or better terms. We'll shop multiple lenders to find the best option for your situation.
Learn about ITIN Refinance →ITIN Cash-Out Refinance
Access the equity you've built in your home. Use the cash for home improvements, debt consolidation, or other financial goals — all using your ITIN.
Learn about Cash-Out Refinance →ITIN HELOC
A Home Equity Line of Credit gives you flexible access to your home's equity. Draw funds as needed and only pay interest on what you use.
Learn about ITIN HELOC →Why Choose Patron Mortgage for Your ITIN Loan?
- Specialists in ITIN mortgage lending — not a side product
- Access to multiple lenders who accept ITIN borrowers
- Bilingual team — we speak English and Spanish
- Transparent process with no hidden fees
- Fast pre-qualification — know your options quickly
- Serving Sacramento, Los Angeles, San Diego, Bay Area & beyond
Bilingual Team
English & Spanish
NMLS #1747739
Licensed in CA
All Loan Types
Purchase, Refi & More
Fast Response
Within 1 Business Day
How It Works
Free Consultation
Call or fill out the form. We'll review your ITIN, income, and goals — no obligation.
Get Pre-Qualified
We match you with the right lender and program for your situation.
Close Your Loan
We guide you through every step until you have the keys — or the cash.
Frequently Asked Questions
Get Your Free ITIN Loan Quote
Fill out the form and Randall will contact you within 1 business day.