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ITIN Home Loan Programs

What is an ITIN loan?

Foreign National/ITIN Loans. Individual tax identification number (ITINloans are for people who are not eligible for Social Security numbers. (ITINs are issued to both resident and nonresident aliens for tax-reporting purposes.) ITIN mortgage loans provide an opportunity at home ownership for undocumented immigrants. Neither citizenship or a social security number are required. To apply for an ITIN loanyou may do so using your ITIN number (individual tax identification number).



In-House ITIN Program

  • Purchase and Rate and Term Refinance
  • as low as 15% down
  • Primary Residence only
  • $80,000 - $510,400 Loan Amounts
  • 43% Max DTI
  • Minumum 650 Credit Score or Sufficient Non-Traditional Alternative Credit History
  • 1-4 Unit Single Family Residence only and maximum 2 acres
  • No Mortgage Insurance
  • 2 Months PITI Reserves Required
  • 12 Month VOR Required
  • Unexpired ITIN Verified via ITIN card or Letter from the Irs
  • Non-Occupant Co-Borrower not allowed



Broker ITIN Program:

  • Purchase, Refinance, Investment Properties
  • as low as 25% down 
  • 1 year tax returns, 1 year W2 or 1099, 1 year P & L (no bank statements required)
  • Passport, ITIN Card, Drivers License (no VISA required)
  • large unverified deposits and gifts allowed with 20% down
  • non-occupying co-borrower allowed if it is a parent or child relationship


**Additional Guidelines Apply. Ask For More Details.

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