No SSN? No Problem!
Build, Buy, or Refi with Just an ITIN — in All 50 States & Get Up to *$50K Extra + 30% Off Real Estate Commissions for Life
Smart financing. Real property. One powerful solution designed for hardworking foreign nationals.
Discover the Secrets to Our Almost Perfect Rating
4.9/5 User Rated
Trusted by hardworking families chasing the dream of homeownership
3000+ Recommendations
From hard working Americans — not bought reviews or corporate fluff
Top Rated Reviews
Zillow, Google, Facebook & more — your voice drives everything
Check What Loans You May Qualify For – No Credit Pull Required
Takes less than 60 seconds. No credit pull. No spam.
No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
As Seen In
Why Top Agents & Foreign Nationals Choose ITIN Loans Nationwide
Smart Property Moves Without a Social Security Number.
Build, buy, or refinance in the U.S. with confidence. We offer flexible solutions, exclusive lending programs, and private capital — built for global buyers ready to invest, not wait.
We Specialize In Making Global Ownership Easy:
Build From the Ground Up: Higher LTV Construction Loans — without the need for a U.S. Social Security number.
Buy Into the Market, Fast: Competitive rates, faster closings, and direct access to real estate agents nationwide.
Cash Out with Confidence: Tap into your equity — even without a traditional credit profile.
Wealth-Friendly Down Payment Options: From 20%–30% down, with transparent terms built for long-term growth.
Expert-Led Closings Across 50 States: We work with foreign national attorneys, CPAs, and real estate agents who know the drill.
$50K Extra + 30% Commission Savings: Stack value with our proprietary offers and save when you buy or sell — for life.
Not Everyone Gets It.
But If You Do — Use It Right.
Up to *$50K in extra cash is on the table. Here's how smart buyers put it to work.
Furnish It Fast
Beds, couches, appliances, even a full kitchen setup — make your new place move-in ready from day one.
Build A Backyard Oasis
Add a hot tub, patio, fire pit, or outdoor kitchen. Your new space, your way — no waiting years to enjoy it.
Ditch The Debt
Pay off high-interest cards or auto loans to free up your monthly cash. Get breathing room right away.
Renovate It Right
Want a dream kitchen, luxe bathroom, or bigger shower? Use your upgrade funds now — not “someday.”
Add a Rental or ADU
Convert a basement, garage, or guest space into a cash-producing unit — and help offset your mortgage.
Make It Pay Off
Start a home-based business, upgrade your tools, or set up your shop — and keep your savings intact.
We Make You Our Priority.
If You Have A Better Offer,
We'll Tell Ya, Not Hard Sell Ya!
*Our consumer loans are only available to mortgage customers of The Federal Savings Bank
Leading The Way In Home Loan Lending Nationwide
Real People. Real Loans. Real 5-Star Results.
See why thousands of hardworking families trust us to help them buy, build, or renovate their homes.
Jermaine R.
Kansas City, MO
“As a first-time buyer, I was totally overwhelmed. I work construction, so paperwork and credit stuff isn’t really my world. These guys made it simple, explained everything, didn’t push, and found a loan that worked with what I had.”
Tiana Blake
Greenville, SC
I’m self-employed and didn’t think I could qualify. I’d been turned down before. But this team walked me through the whole thing and treated me like a real person. Super down-to-earth and honest. Never felt pressured once.”
Marisol Vega
Riverside, CA
“We needed help fast. My husband and I weren’t sure what we could afford with our credit, but they broke it all down, showed us our options, and even helped with closing costs. The process was smoother than I ever expected.”
Your Questions Deserve Straight Answers, Not Sales Pitches.
We skip the fluff and give you real talk about what’s possible — even if other banks said no.
Can I get approved with low credit or past issues?
Yes. We work with buyers down to 550 FICO in many cases. Been denied elsewhere? That doesn’t mean your journey stops here.
I’m self-employed or 1099 — can I still qualify?
Absolutely. We help gig workers, contractors, and entrepreneurs every day. No W2? No problem — we’ve got creative options that banks ignore.
Do I need to have a down payment ready?
Not always. We have 0% down options in all 50 states and programs that include down payment and closing cost assistance — even if you’re short on savings.
How fast can I get pre-approved?
Most clients get a soft-approval quickly, and a full file review in 24–48 working hours depending on the program.
Will this hurt my credit?
Not for the initial conversation. You can text or complete our quiz with no credit pull — we’ll walk you through what happens next before running anything.
What makes you different from my bank or credit union?
We’re built for real-life borrowers. You won’t get hand-offs, sales scripts, or dead ends. Just straight answers and smart loan options that actually fit your situation.
Call Us 24/7
(844) 999-0639
To speak with a banker or check program eligibility, call anytime.
THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.
*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
*Messaging and Data Rates May Apply.
*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.
*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.
*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.
REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.
†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.
ITINLOANSNATIONWIDE.COM, POWERED BY THE FEDERAL SAVINGS BANK, 4120 WEST DIVERSEY AVENUE, CHICAGO, IL, 60639, UNITED STATES (844) 999-0639
