ITIN & Foreign National Loans in Arizona

Buy a Home Without a Social Security Number

Why ITIN Loans

Homeownership Open to Everyone in Arizona

Owning a home in the U.S. shouldn't require a Social Security number. Our ITIN and Foreign National loan programs allow borrowers who file taxes with an Individual Taxpayer Identification Number, as well as foreign nationals, to purchase or refinance property in Arizona. Croft & Co Lending makes the process clear and accessible from start to finish.

  • As Low as 20% Down

    Qualified borrowers can purchase with a down payment as low as 20%, with primary, second home, and investment properties all allowed.

  • Flexible Credit Options

    We work with credit scores as low as 650, and we also offer no-credit-score options that use alternative documentation.

  • Built for Your Situation

    Whether you're self-employed or paid in cash, we help structure a loan around how you actually earn and document income.

Loan officer reviewing ITIN loan documents with a borrower
peopleInclusive, Respectful Lending
Why Choose Croft & Co

Your Trusted ITIN Loan Partner in Arizona

ITIN and Foreign National loans require a lender who understands the documentation and guidelines involved. Our team specializes in these programs and guides you through every requirement so nothing gets lost in translation.

We believe homeownership should be accessible to the whole community. You'll work with people who treat you with respect, explain your options clearly, and fight to get you the best terms available.

  • Down payments as low as 20%
  • Credit scores as low as 650, plus no-score options
  • Primary, second home, and investment properties
  • Guidance in plain language, every step
Family receiving the keys to their new Arizona home
peopleA Clear, Guided Process
How It Works

From Application to the Keys to Your Home

We begin by reviewing your situation and documentation to confirm your options and get you pre-qualified. From there we guide you through the application, appraisal, and underwriting so you always know what's next.

You'll have a dedicated point of contact who answers your questions and keeps everything on track. Our goal is to make buying your home in Arizona a smooth and welcoming experience.

  • Straightforward pre-qualification
  • Help gathering the right documentation
  • Clear, transparent communication
  • On-time closings you can count on
Client Success Stories

Trusted by Arizona's Diverse Communities

We've helped many families buy homes with ITIN and Foreign National financing. Here's what a few of them had to say:

  • Carlos MITIN Home Buyer

    I file taxes with an ITIN and thought buying a home was out of reach. Croft & Co showed me exactly what I qualified for and got me into my home in Phoenix. They treated me with respect the whole way.

    Google
  • Sofia RSelf-Employed Home Buyer

    As a self-employed business owner without traditional pay stubs, I struggled to find a lender. Tyler's team understood my situation and structured a loan that worked. I'm now a proud homeowner.

    Google
  • Ahmed NForeign National Investor

    I'm a foreign national investing in Arizona real estate. Croft & Co made the financing process clear and got my purchase closed without unnecessary delays. Excellent experience.

    Google
Ready to Own?

Start Your ITIN Loan Today

You don't need a Social Security number to own a home in Arizona. Croft & Co Lending offers ITIN and Foreign National loans built around your situation. Reach out today and let's see what you qualify for.