ITIN Finance

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io.github.bguillow-rgb/itin-financev1.0.2

Verified ITIN lender directory + 290 bilingual guides on US loans, cards & credit without an SSN.

Finance & Payments

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can_i_get_this_loan Read-only

The direct answer to 'can I get a(n) X with an ITIN?': the editorial quick answer, typical requirements, and institutions with documented ITIN programs for that loan type (optionally state-filtered). Informational only — not a recommendation or referral. EN/ES.

loan_typestring, required

Which product the question is about: auto loan, mortgage, personal loan, business loan, or credit card

langstring

Answer language: en (default) or es (Spanish)

statestring

US state name or 2-letter code, to narrow to institutions lending there

Tools (8)

can_i_get_this_loan

read-only

Argument	Type	Description
lang	string	Answer language: en (default) or es (Spanish)
state	string	US state name or 2-letter code, to narrow to institutions lending there
loan_type*	string	Which product the question is about: auto loan, mortgage, personal loan, business loan, or credit card

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loan_type"
  ],
  "properties": {
    "lang": {
      "enum": [
        "en",
        "es"
      ],
      "type": "string",
      "description": "Answer language: en (default) or es (Spanish)"
    },
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "US state name or 2-letter code, to narrow to institutions lending there"
    },
    "loan_type": {
      "enum": [
        "auto",
        "mortgage",
        "personal",
        "business",
        "credit_card"
      ],
      "type": "string",
      "description": "Which product the question is about: auto loan, mortgage, personal loan, business loan, or credit card"
    }
  },
  "additionalProperties": false
}

faq_lookup

Search 1,800+ editorial FAQs for a direct answer to a specific ITIN finance question (EN/ES). Each answer carries its source article URL.

read-only

Argument	Type	Description
lang	string	Answer language: en (default) or es (Spanish)
query*	string	A specific ITIN finance question, e.g. 'can I get a mortgage with an ITIN'

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "query"
  ],
  "properties": {
    "lang": {
      "enum": [
        "en",
        "es"
      ],
      "type": "string",
      "description": "Answer language: en (default) or es (Spanish)"
    },
    "query": {
      "type": "string",
      "maxLength": 120,
      "minLength": 2,
      "description": "A specific ITIN finance question, e.g. 'can I get a mortgage with an ITIN'"
    }
  },
  "additionalProperties": false
}

find_itin_lenders

List institutions that accept ITIN (no SSN) applicants for a loan or card type, optionally filtered by US state. Every entry states whether it was verified against the institution's own pages, with citation URLs and dates.

read-only

Argument	Type	Description
lang	string	Answer language: en (default) or es (Spanish)
state	string	US state name or 2-letter code
loan_type*	string	Which product the question is about: auto loan, mortgage, personal loan, business loan, or credit card

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loan_type"
  ],
  "properties": {
    "lang": {
      "enum": [
        "en",
        "es"
      ],
      "type": "string",
      "description": "Answer language: en (default) or es (Spanish)"
    },
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "US state name or 2-letter code"
    },
    "loan_type": {
      "enum": [
        "auto",
        "mortgage",
        "personal",
        "business",
        "credit_card"
      ],
      "type": "string",
      "description": "Which product the question is about: auto loan, mortgage, personal loan, business loan, or credit card"
    }
  },
  "additionalProperties": false
}

get_guide

Get one guide by slug or approximate title: quick answer, FAQs, related guides, canonical URL.

read-only

Argument	Type	Description
lang	string	Answer language: en (default) or es (Spanish)
slug*	string	Guide slug, or an approximate title to match on

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "slug"
  ],
  "properties": {
    "lang": {
      "enum": [
        "en",
        "es"
      ],
      "type": "string",
      "description": "Answer language: en (default) or es (Spanish)"
    },
    "slug": {
      "type": "string",
      "maxLength": 120,
      "minLength": 2,
      "description": "Guide slug, or an approximate title to match on"
    }
  },
  "additionalProperties": false
}

get_lender_details

Full verified profile for one institution: ITIN policy, states, membership rules, published terms, citations, and our editorial coverage.

read-only

Argument	Type	Description
name*	string	Institution name, e.g. 'Alterra Home Loans'

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "name"
  ],
  "properties": {
    "name": {
      "type": "string",
      "maxLength": 80,
      "minLength": 2,
      "description": "Institution name, e.g. 'Alterra Home Loans'"
    }
  },
  "additionalProperties": false
}

how_to_get_an_itin

How to apply for an ITIN (IRS Form W-7): the process, documents, timelines, and common mistakes — with the full guide URL. EN/ES.

read-only

Argument	Type	Description
lang	string	Answer language: en (default) or es (Spanish)

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "lang": {
      "enum": [
        "en",
        "es"
      ],
      "type": "string",
      "description": "Answer language: en (default) or es (Spanish)"
    }
  },
  "additionalProperties": false
}

itin_state_info

State-level context for ITIN holders: state/local taxes paid by undocumented immigrants (ITEP 2022), effective tax rate, driver's-license access law, and the state guide URL.

read-only

Argument	Type	Description
state*	string	US state name or 2-letter code

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "US state name or 2-letter code"
    }
  },
  "additionalProperties": false
}

search_guides

Search 290+ editorial guides across the ITIN finance network (loans, mortgages, credit cards, credit scores — English and Spanish). Returns quick answers with canonical article URLs.

read-only

Argument	Type	Description
lang	string	Answer language: en (default) or es (Spanish)
site	string	Restrict to one site in the network: lending, creditcard, or creditscore. Omit to search all three
query*	string	What the user wants to know, e.g. 'refinance car loan itin' or 'prestamo personal con itin'

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "query"
  ],
  "properties": {
    "lang": {
      "enum": [
        "en",
        "es"
      ],
      "type": "string",
      "description": "Answer language: en (default) or es (Spanish)"
    },
    "site": {
      "enum": [
        "lending",
        "creditcard",
        "creditscore"
      ],
      "type": "string",
      "description": "Restrict to one site in the network: lending, creditcard, or creditscore. Omit to search all three"
    },
    "query": {
      "type": "string",
      "maxLength": 120,
      "minLength": 2,
      "description": "What the user wants to know, e.g. 'refinance car loan itin' or 'prestamo personal con itin'"
    }
  },
  "additionalProperties": false
}