The ITIN-'Individual Tax ID Number '(or Tax ID) is a service provided by the IRS (Internal Revenue Service) that allows a person without a Sicial Security Number to pay taxes, open bank accounts, start a credit history and borrowing with some financial institutions.

ITIN loans are reserved for people who do not have a Social Security Number, mostly illegal immigrants. ITIN mortgages have provided the dream of home to thousands of undocumented immigrants, among others. These mortgages were very popular in the last decade, but after the financial crisis of 2008, have declined considerably.

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