Price Mortgage Expands ITIN Loan Access in Arizona
The Gilbert-based firm provides home financing options for Arizona residents lacking Social Security numbers.
Updated on Oct. 16, 2026 in Residential
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Should ITIN holders have the same standard access to home mortgage financing as citizens?
Price Mortgage is highlighting ITIN mortgage options designed to help taxpayers without Social Security numbers secure home financing. These programs offer an alternative to traditional, government-backed loans that require standard identification for eligibility.
Why it matters
Many potential homeowners are unaware of ITIN lending programs, which lack industry-wide standardization. By evaluating files against multiple wholesale partners, brokers can identify specific loan paths for borrowers who do not fit conventional criteria.
Eligible residents can access the Arizona Industrial Development Authority Home Plus program for up to 4% in assistance or the Maricopa County Home in 5 Advantage program for 3% to 6% of the total loan amount.
The players
Price Mortgage
A Gilbert-based mortgage brokerage founded in 2017 that specializes in diverse lending products including ITIN loans.
Arizona Industrial Development Authority
A state-level public entity that manages the Home Plus program to assist homebuyers with down payment and closing costs.
Maricopa County Industrial Development Authority
A local authority that operates the Home in 5 Advantage program to provide financial support to qualified residents in the county.
The details
Price Mortgage, founded in 2017, processes these loans by reviewing files against various wholesale lending partners rather than a single institution. The firm charges no underwriting, processing, or application fees to applicants.
Timeline
Price Mortgage was founded in 2017.
The firm highlighted ITIN lending availability on October 16, 2026.
Culture Shift
The rise of ITIN lending reflects a broader move to provide housing equity to taxpayers who fall outside of standard documentation requirements. This development marks a departure from traditional, rigid underwriting paths that have historically marginalized non-traditional borrowers.
Residents can potentially lower their upfront costs by utilizing the Home Plus or Home in 5 Advantage programs, which provide thousands of dollars for down payments. Applicants should prepare detailed documentation to determine their eligibility under these specific, non-standardized programs.
The takeaway
Interested borrowers should confirm all fee structures and eligibility requirements directly with their broker, as ITIN programs vary significantly by lender. Investigating local authority grants can provide essential financial support for down payments when pursuing these unconventional loans.
Further reading
Learn more about home financing options in the Residential section.
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?
