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DictionaryIdentity and taxes

ITIN: what it means

An ITIN is a nine-digit number the IRS, the federal tax agency, issues to people who need a U.S. taxpayer identification number to file taxes and are not eligible for a Social Security number. It is for tax purposes only: it does not authorize you to work in the United States, does not qualify you for Social Security benefits or the Earned Income Tax Credit, and says nothing about your immigration status.

In Spanish it is

ITIN

Also written as: ITIN number · taxpayer identification number

The full explanation

You apply with Form W-7, and it expires if it goes unused for several years. Some lenders accept an ITIN for a mortgage.

An example

Mariela files taxes every year with her ITIN. With those returns and her payment history, a lender that offers ITIN loans reviews her mortgage application.

You will see it in…

  • The IRS CP565 notice assigning the number
  • Your federal tax return, in the identification number box
  • Lender and program requirements (“ITIN accepted”)

Words that go with it

You will rarely see this word alone. These are the ones that show up with it on the same papers.

A young man and a young woman look something up together on a laptop.

Still confused by a paper?

A HUD-approved housing counselor can walk you through it. Agencies usually charge little or nothing, many work in Spanish, and they do not sell you anything.

Official sources

We sum up what these official sources say, in plain words. We add no rules they do not state; when a rule changes, the definition and its date change.

  1. 1. IRS · Individual Taxpayer Identification Number (ITIN) (external site) · in English · Verified on October 16, 2026
  2. 2. IRS · About Form W-7, Application for IRS Individual Taxpayer Identification Number (external site) · in English · Verified on October 16, 2026