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ITIN Mortgage Loans

Our ITIN Loans can offer you a chance at home ownership, even if you are ineligible for a Social Security Number.
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Young man seeks ITIN loan after moving to Portland Oregon

What is an ITIN Mortgage Loan?

An ITIN Mortgage helps individuals who are living and working in Oregon to purchase the home they have worked hard to achieve using their Individual Taxpayer Identification Numbers (ITINs) and other documents instead of a Social Security Number. This loan option provides greater financial access to members of our community. 

Ready to learn more? Explore what you'll need to apply.

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Start your ITIN Loan application

ITIN Mortgage Loan Benefits

We believe our community thrives when all members of our community thrive. That’s why we offer mortgage products to our members who have Individual Taxpayer Identification Numbers (ITINs) instead of Social Security Numbers.

Se Habla Español
Por favor llame al 541.387.9297 (ext. 8004) para comunicarse con nuestros representantes que hablan Español a fin de obtener detalles o si tiene preguntas.

Couple applying for a ITIN loan online with Consolidated Community Credit Union CCCU in Portland Oregon

Se Habla Español

We have Spanish-speaking team members who can help. Call 541.387.9297 extension 8004 for Español.

Competitive Rates

Our ITIN Mortgage Loan features fixed and adjustable rate options that can comfortably fit into your budget.

Easy Application

Get one step closer to your dream home (we make it easy). Simply contact us to fill out an application.

Local Underwriting

Our local team of experts provide quick approvals, helping you close on your mortgage fast!
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HOW MUCH HOUSE CAN YOU AFFORD

ITIN Loan Calculator

You deserve to own the home you've always wanted. Explore your possible monthly payment by entering your potential ITIN mortgage rate, loan amount, down payment total, and home loan term.1 Don't forget, your mortgage payment should be 28% or less of your monthly gross income.

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Who is eligible for a CCCU ITIN Mortgage?

Utilizing your individual taxpayer identification number instead of your Social Security number when applying for a mortgage is a great alternative. To be eligible, members must have 80% LTV, 45% maximum DTI, and these supporting documents:

  • ITIN card or IRS letter
  • Employment history for the past 2 years
  • Valid government photo ID
  • Proof of income (2 years) through pay stubs and federal tax returns
  • Bank account statements demonstrating cash reserves
  • 20% down payment (can be from silent 2nd/grant)
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Family playing on the beach that is eligible for an ITIN loan with CCCU Credit Union in Portland Oregon

Mortgage options

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CCCU Mortgage ebook Cover - How Much House Can I Afford

Discover how much house you can afford!

Our financial education experts have compiled this great guide to help you determine how much house you can afford. 

Ready to get started? Download your guide now:

What our members are saying:

"¡CCCU me ayudó en todo, haciendo realidad mi sueño de casa!"

"CCCU helped me with everything, making my home dream come true!"

Neyda V.

“Lo que me gusto de CCCU fue, que me ayudaron a obtener mi primera tarjeta de credito sin retener nuestro dinero.”

“What I liked about CCCU was that they helped me get my first credit card without withholding our money.”

Albano R.

“I'm new to the states, that implies learning how the financial system works and the people at CCCU have been awesome walking me through the whole process. I'm happy that I chose them to become my primary account and hopefully it will be a long-lasting relationship!”

Camila V.

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Frequently Asked Questions About ITIN Loans

What is an ITIN?

An ITIN, or Individual Taxpayer Identification Number, is a tax processing number, issued by the Internal Revenue Service (IRS), for certain residents and non-residents, their spouses, and their dependents.

ITINs are used for tax purposes only, and are not intended to serve any other purpose. IRS issues ITINs to help individuals comply with the U.S. tax laws, and to provide a means to efficiently process and account for tax returns and payments for those not eligible for Social Security Numbers.

Need an ITIN?
We can provide you with the forms needed to complete an ITIN application, including a W7, Certificate of Accuracy, and an official letter stating the applicant is opening an interest-bearing account.

¿Hablas Español?

Por favor llame al 541.387.9297 (ext. 8004) para comunicarse con nuestros representantes de habla hispana o envíenos un correo electrónico a loans@consolidatedccu.com.

CCCU ofrece un equipo de expertos en hipotecas que están listos para ayudarlo desde el comienzo de la solicitud hasta el cierre de su nuevo hogar.

Am I eligible for a CCCU ITIN Mortgage?

To be eligible for a ITIN Mortgage at CCCU, you must qualify for membership, have 80% LTV, 45% maximum DTI, and these supporting documents:

  • ITIN card or IRS letter
  • Employment history for the past 2 years
  • Valid government photo ID
  • Proof of income (2 years) through pay stubs and federal tax returns
  • Bank account statements demonstrating cash reserves
  • 20% down payment (can be from silent 2nd/grant)

DISCLOSURES
Membership eligibility required. All loans subject to credit approval. Contact credit union for full details about the ITIN Mortgage Loan product. 

[1] Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. Get an official loan estimate before choosing a loan. Contact credit union for more details. 

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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© Consolidated Community Credit Union 2024 | 2021 NE Sandy Blvd Portland, OR 97232 | Routing #: 323075136 

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CCCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Consolidated Community Credit Union is an assumed business name of Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU, and Consolidated Federal Credit Union are service marks or registered service marks of Consolidated Federal Credit Union. All other marks not owned by Consolidated Federal Credit Union that appear herein are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU-Cascade, and CCCU are trade names of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union and shares held at each office are not separately insured.

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