ITIN mortgage loan program

Our ITIN mortgage loan program is a mortgage solution for individuals who have an Individual Taxpayer Identification Number but do not have a Social Security Number. With this program, you can grow your business by making homeownership a reality for non-U.S. citizens.

Program features

Min FICO 660 and up to 80% CLTV for Super Prime
Min FICO 700 and up to 70% CLTV for DSCR
Loan amounts up to $1.5 million
A valid ITIN card or IRS ITIN letter and an unexpired government photo ID required
As little as 3 months of reserves

Why choose our ITIN?

Primary residence & investment allowed
DSCR allowed
Alt docs allowed

Program details

Min FICO 660 and up to 80% CLTV for Super Prime
Min FICO 700 and up to 70% CLTV for DSCR
Loan amounts up to $1.5 million
Max cash-in-hand $500,000 for CLTV >65%, $1,000,000 for CLTV ≤65% to ≥55%, no max cash-in-hand limitation for CLTV <55%
All income types for Super Prime, no income or employment verification for DSCR
DTI up to 50%
A valid ITIN card and government-issued ID or an IRS ITIN letter with a government-issued ID
As little as 3 months of reserves required
Primary, second home, investment
Gift funds are allowed, the borrower must contribute at least 5% from their own funds on primary and second home and at least 20% on investment. Gift funds are not allowed for CLTV above 80% on investment property
Mortgage history: 0x30x12 and 0x90x24
48 months from bankruptcy or foreclosure
Eligible property types: SFR, townhomes, condo warrantable/non-warrantable, condotels, 2-4 units, PUD, short-term rentals, SFR rural, manufactured housing, leasehold
Eligible terms: 40- & 30-year fixed, 5/6 & 7/6 ARM terms
120 months of I/O period, 240/360 months of amortization, qualified at amortized PITIA payment after I/O period, IO product not allowed in IL
Eligible citizenship: ITIN
Eligible borrowers: Individuals, LLCs/Corp without a hit