Yes. Borrowers with an Individual Taxpayer Identification Number can buy a home, and in most states. The financing is a type of non-QM loan built for borrowers using an ITIN instead of a Social Security number. The trade-offs are a higher interest rate and a larger required down payment than a comparable FHA or conventional loan, because these programs carry no agency or government backing and price in the added risk. Pricing on ITIN programs varies a lot from one investor to the next, so this is a product where a broker with multiple wholesale sources earns their keep rather than the first lender you find. Confirm the current down-payment and rate terms before you build a budget around them.