ITIN loan leads and foreign national mortgage leads
Borrowers with an ITIN or no US credit history who are ready to talk about buying.
ITIN loan leads come from a market that most lenders ignore: people who work, pay taxes and save, but file with an Individual Taxpayer Identification Number instead of a Social Security number. We also reach foreign nationals buying US property. Every inquiry goes to one loan officer and arrives with the answers that tell you which path fits.
- ITIN or foreign national status captured
- Language preference noted
- Exclusive to you and never resold
Watch it in 44 seconds
A 44-second explainer from the Amplify Leads team: ITIN and foreign national leads for the few lenders who say yes.
What ITIN leads look like when they reach you
Who
ITIN filers, long-time residents without a Social Security number, and foreign nationals buying a US home or investment property.
What they have
How long they have filed taxes, how they earn, savings for a down payment, and whether they have any US credit.
What they want
A home to live in or a property to rent out, and a lender who will actually talk to them.
ITIN and foreign national programs are offered by a limited set of lenders. Confirm what your lender accepts before you promise anything.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: bank statement leads, non-QM leads, and purchase leads. Or see mortgage leads by state.
Who is the ITIN borrower, really?
Mostly neighbors you already know: small business owners, tradespeople, restaurant and farm workers, and families who have rented for a decade while saving. They file and pay taxes with an ITIN, which the IRS issues to people who need a tax number but do not qualify for a Social Security number. Many have steady income and larger down payments than people assume. The barrier is not ability, it is that most lenders cannot take the application. A lender who can will often earn loyalty and referrals inside that community.
How do you tell a serious buyer from a casual click?
Look at tax history and savings first. A buyer who has filed returns with an ITIN for a couple of years and has a down payment saved is a real conversation. Someone with no filing history, no savings and a vague plan is not ready yet, and you can send them information and move on. For foreign nationals, the questions are country of residence, how the funds are held and what the property is for. Docs and rules are heavier in that lane, so a serious inquiry is one where the buyer expects some paperwork and has already thought about the purchase.
What does the form ask?
Questions are plain and respectful, with a language option at the top. Nothing on it asks for an ID number, because you collect that later on a secure application.
- Do you file taxes with an ITIN, or are you buying from outside the US?
- What language do you prefer for the call?
- How long have you filed taxes or been paid in the US?
- How much do you have saved for a down payment?
- Will you live in the home or rent it out?
How should ads speak to people who are used to hearing no?
Directly and without hype. The message is that an ITIN is not an automatic dead end, and there are lenders who can look at your file. Creative in the borrower's own language performs better with this audience than a translated afterthought, and targeting leans on language and interest signals within Meta's limits for housing and credit ads. Facebook and Instagram carry most of the volume, while Google finds people searching for ITIN mortgage terms. The landing page promises a conversation, nothing more. Follow up the same business day, preferably by text first.
What should you watch on compliance and trust?
Fair lending law bars discrimination based on national origin, so ads must never exclude people on that basis, and Meta's special ad category limits targeting for exactly this reason. Do not imply that documents are optional. Advertised rates or payments can trigger Regulation Z terms, so we leave numbers out. Calls and texts need TCPA consent. Immigration status questions need care, so confirm with your compliance contact what the form may ask. This audience is also a favorite target for scams, so clear disclosure and a licensed, named lender build the trust the sale depends on.
Before you reach out
Can you run ads in Spanish or other languages?
Yes. Many ITIN borrowers prefer to talk in their first language, so we can write ads and a landing page in Spanish and note the preference on the lead. Make sure you have someone who can take that call.
Are ITIN and foreign national leads the same thing?
No, and the form separates them. An ITIN filer usually lives and works in the US. A foreign national often lives abroad and buys here. Programs, documents and down payments differ, so we ask first.
Do these borrowers have credit?
Some do, some have only alternative credit like rent or utility history, and some have none in the US. The form asks, and you decide whether your program works.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.