An ITIN mortgage exists because many people who live, work, and pay taxes in the United States do not have a Social Security number. They file with an Individual Taxpayer Identification Number instead, and most lenders will not touch that file. The halal version is the same idea without interest. Ijara Community Development publishes an ITIN Home Financing program that uses a lease-to-own trust instead of a loan.
It is available nationwide. Ijara lists no credit check, no W-2s, and no bank statements on this program. Financing goes up to $3 million. Start on the Ijara CDC provider page and the home financing hub.
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Who It Is For
This program is for buyers who file US taxes with an ITIN rather than an SSN. That often includes recent arrivals, people waiting on immigration paperwork, and families where one spouse has an SSN and the other does not.
It is also for people who do not fit a normal credit file. If you have never had a US credit card or car loan, a regular underwriter has nothing to score. Ijara's ITIN program does not run a credit check.
- You file US taxes with an ITIN
- You have little or no US credit history
- You want to buy a home without an interest-bearing loan
- Family may help with the down payment
Published Terms
| Item | Ijara CDC ITIN Home Financing |
|---|---|
| Where | Nationwide |
| ID needed | ITIN instead of an SSN |
| Credit check | None |
| Income documents | No W-2s or bank statements |
| Maximum | Up to $3 million |
| Property | Single-family, 2-4 units, PUDs, condos |
| Gift funds | 100% gift funds accepted |
| Structure | Ijara trust. Rent on the property. Title transfers for $1.00 at the end |
Ijara does not publish the down payment or the rent rate for this program. Those come in your individual quote. Expect a no-doc program to price higher than a fully documented one, because the underwriter is taking more on trust.
How the Contract Works
A single-asset grantor trust buys the home. You are the trustee and the beneficiary. You pay rent on the property instead of interest on a loan. When the lease completes, title transfers to you for $1.00.
That is the same ijara structure Ijara uses on its other US home programs. The ITIN piece changes who can qualify and what paperwork they ask for. It does not change the contract.
If One Spouse Has an SSN
Some families have one spouse with an SSN and solid credit. If that spouse can qualify alone, a fully documented program may price better. Guidance Residential and UIF quote regular home purchases in the states they serve, and Ijara's conventional program starts at 3% down with a 620 credit floor.
Get both quotes if you can. Then compare the monthly payment and total cost side by side on the home financing comparison.
How the Process Usually Runs
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- Tell Ijara this is an ITIN purchase, not a standard application
- They quote down payment, rent, and closing items for this address
- If family is gifting money, ask what gift letter and bank trail they want
- You close with a local title company. The trust holds title until the lease ends
Gift funds still need a paper trail, even when 100% gifts are allowed. Read using gift funds for a halal down payment before money moves between accounts.
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What to Get in Writing
- That this application is the ITIN program
- The down payment for this purchase price
- The rent schedule and what happens if you sell early
- What happens if you later get an SSN and want to switch programs
- Who holds title during the term
Frequently Asked Questions
Can I get a halal mortgage with an ITIN number?
Yes. Ijara CDC offers ITIN Home Financing nationwide. It uses an ijara trust instead of an interest-bearing loan and accepts an ITIN in place of an SSN.
Do I need a credit score for an ITIN home loan?
Not on this program. Ijara lists no credit check for ITIN Home Financing. That is the main reason people without US credit history look at it.
How much down payment do I need with an ITIN?
Ijara does not publish a fixed number for this program. It comes in your quote. Ijara does accept 100% gift funds, so family help can cover it. See how much down payment for halal home financing for the wider picture.
Can I buy a condo or a duplex with an ITIN?
Yes. The program covers single-family homes, 2-4 unit properties, PUDs, and condos, up to $3 million.
Is an ITIN mortgage halal?
A conventional ITIN loan charges interest, so it is not. Ijara's ITIN program uses an ijara trust where you pay rent on the property, overseen by a Sharia Advisory Board chaired by Mufti Muneer Akhoon.
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See side-by-side comparisons of Shariah-compliant products, or let our matcher recommend the best options for your situation.
If you pay taxes with an ITIN and want to own a home without riba, start with Ijara CDC's ITIN program. Get the down payment and rent in writing. Compare on the home financing hub.
