Arizona ITIN Home Loan Options Available for Taxpayers
Taxpayers without Social Security numbers can access home financing through specialized programs in Arizona.
Updated on Oct. 16, 2026 in Residential
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Gilbert-based Price Mortgage is highlighting home financing options for Arizona taxpayers who do not hold Social Security numbers. These ITIN loans provide a path to homeownership for eligible individuals by utilizing alternative documentation for eligibility.
Why it matters
Many borrowers remain unaware of specialized lending programs because ITIN options lack industry standardization and aren't government-backed. Accessing these programs can help residents secure financing despite not having a traditional Social Security number.
State programs like the Arizona Industrial Development Authority Home Plus offer up to 4% of the mortgage balance for costs, while the Maricopa County Home in 5 Advantage provides 3% to 6%. Price Mortgage, which carries a 4.8-star average from over 300 Google reviews, charges no application or underwriting fees.
The players
Price Mortgage
A Gilbert-based mortgage brokerage founded in 2017 that offers ITIN loan options and maintains a 4.8-star average across over 300 Google reviews.
Arizona Industrial Development Authority
A state entity that provides the Home Plus program to assist homebuyers with down payment and closing costs.
Maricopa County Industrial Development Authority
A county-level agency that manages the Home in 5 Advantage program to support local residents with mortgage-related assistance.
The details
Price Mortgage evaluates potential borrowers by reviewing files against multiple wholesale lending partners rather than relying on a single institution's rulebook. Eligible applicants undergo a detailed documentation review to determine their ability to qualify for these non-government-backed mortgages.
Timeline
2017: Price Mortgage was founded.
October 16, 2026: The brokerage emphasized the availability of ITIN lending options.
The Home Front
ITIN mortgage products operate outside of standardized, government-backed frameworks, placing the burden of due diligence on the borrower. Navigating these options requires working with intermediaries who can assess files against the disparate rulebooks of individual wholesale lenders.
If you are an Arizona taxpayer without a Social Security number, research how your specific documentation status aligns with wholesale lender requirements. Consult with a licensed mortgage professional to compare the cost-benefit of state assistance programs against your financing needs.
The takeaway
Borrowers without Social Security numbers can access home financing by identifying brokers who specialize in ITIN-eligible wholesale products. Review your financial documentation thoroughly before speaking with a professional to ensure you have the required materials ready for a loan review.
Further reading
Learn more about local housing options in our guide to Residential.
Source note: This article includes information reported by The Daily Times.
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Should ITIN holders have the same standard access to home mortgage financing as citizens?
