About

About ITIN Lending

ITINLending.net exists to make U.S. credit understandable and reachable for the millions of people who pay taxes with an ITIN but don't have a Social Security Number.

Why this site exists

Over 5 million people file taxes each year using an Individual Taxpayer Identification Number (ITIN). Many of them are creditworthy, employed, and ready to buy a home or finance a car, yet most mainstream financial advice assumes you have a Social Security Number. The result is confusion, dead-end applications, and predatory offers.

We started ITINLending.net to fix that information gap. We publish clear, accurate guides on every kind of ITIN financing, mortgages, auto loans, personal and business loans, and credit cards, and we connect readers with lenders who actually work with ITIN holders.

Who runs this site

ITINLending.net is published by Timberline Ventures LLC. Its guides are written and edited by our editorial team, led by Daniela Reyes, Editor.

Daniela Reyes · Editor

Daniela Reyes is the editor of ITIN Lending. She writes and edits plain-English guides on loans, mortgages, and credit for ITIN holders and foreign nationals in the U.S., translating dense lender requirements and IRS and CFPB guidance into clear, accurate steps. Every guide is researched against primary sources and reviewed for accuracy before it is published. Daniela writes in both English and Spanish.

Andrés Villanueva · Mortgage & Home Loans Writer

Andrés Villanueva writes ITIN Lending's coverage of mortgages, home equity, and qualifying for a home loan with an ITIN. He focuses on lender documentation requirements, down-payment and reserve rules, and the loan programs that accept ITIN borrowers, building each guide from lenders' published requirements and CFPB and HUD guidance. Andrés writes in English and Spanish.

Priya Sharma · Loans & Banking Writer

Priya Sharma covers personal, auto, and business loans plus everyday banking for ITIN holders at ITIN Lending. She digs into approval criteria, interest-rate ranges, and the banks and lenders that work with ITIN customers, checking each claim against the institutions' own published terms before it runs. Priya writes in English and Spanish.

Our editorial standards

Because lending and credit decisions are high-stakes, we hold our guides to a clear standard:

Primary sources first. We research against the IRS, the Consumer Financial Protection Bureau (CFPB), and lenders' own published requirements, not other blogs.
Reviewed before publishing. Every guide is checked for accuracy, and we date each page so you can see how current it is.
We say when it depends. Where guidance is general we say so; where it depends on your situation, we point you to a qualified professional.
Independence. Our editorial guidance is not changed by which lenders or advertisers pay us, see how we make money below.

How we make money

We're free to use because we earn referral and advertising revenue. When you get matched with a lender, complete an application through one of our partner links, or click certain ads, we may be compensated. This never changes the price you pay, and it doesn't change our editorial guidance, we tell you the trade-offs straight. See our full Advertiser Disclosure for details.

What we are, and aren't

We are an independent information and referral resource. We are not a bank, lender, mortgage broker, or financial advisor. We don't make credit decisions, set interest rates, or originate loans. All financing is provided by third-party lenders under their own terms and applicable law. Nothing here is financial, legal, or tax advice.

Have a question or want to partner with us?

We're always glad to hear from readers and lenders.