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ITIN Affordable Advantage Mortgage

Owning a home can be easier than you think, especially with an ITIN Affordable Advantage Mortgage from Simmons Bank. Designed for homebuyers who do not have a Social Security number, this program lets eligible borrowers apply using their Individual Taxpayer Identification Number (ITIN).

Talk to a Mortgage Loan Officer

Take the next step toward homeownership.

Designed for homebuyers who do not have a Social Security number

Borrow using your Individual Taxpayer Identification Number (ITIN)

10.01% down payment

No Private Mortgage Insurance (PMI)

Available for one-unit owner-occupied single family properties

We're here to help.

Pre-Qualify Online

Find a mortgage loan officer near you and prequalify online.

By Phone

Monday–Friday, 7:30 a.m. – 6 p.m. CT
Saturday, 8 a.m. – 12 p.m. CT

Available in the following communities:


  • Little Rock
  • Northwest Arkansas


  • Kansas City
  • St. Louis


  • Oklahoma City
  • Tulsa


  • Memphis
  • Nashville


  • Conroe
  • Corpus Christi / Houston / Woodlands
  • Dallas
  • Fort Worth
  • San Antonio / Austin
  • {216} Subject to credit approval and customer qualification. Income restrictions and other criteria apply. Not available for investment properties or secondary residences. No cash out on refinances. The ITIN Affordable Advantage Mortgage is offered for qualified properties located in the Dallas, TX, Fort Worth, TX, Conroe, TX, Houston, TX, Woodlands, TX, Corpus Christi, TX, San Antonio, TX, Austin, TX, St. Louis, MO, Kansas City, MO, Little Rock, AR, Fayetteville, AR, Memphis, TN, Nashville, TN, Oklahoma City, OK, and Tulsa, OK areas in accordance with Simmons Bank’s obligations under the Community Reinvestment Act (CRA) and Fair Lending laws. Eligible properties and terms subject to change. Speak with your local Simmons Bank banker to find out what products are available in your area. | NMLS #484633