An ITIN mortgage, also known as an Individual Taxpayer Identification Number mortgage, is a type of mortgage designed for individuals who are not eligible for a Social Security number but still need a way to prove their identity for tax purposes. ITIN mortgages are typically used by non-citizens and undocumented immigrants who may not have a Social Security number or other traditional forms of identification.

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To qualify for an ITIN mortgage, borrowers must have an ITIN, which is a nine-digit identification number issued by the Internal Revenue Service (IRS) to individuals who are required to pay taxes in the United States but are not eligible for a Social Security number. Borrowers will also need to meet the lender's credit and income requirements and provide documentation to support their application, such as proof of income and assets.

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One advantage of an ITIN mortgage is that it provides a way for non-citizens and undocumented immigrants to obtain a mortgage, even if they don't have a Social Security number. This can be especially helpful for those who may not have access to traditional forms of financing due to their immigration status.