Who Should Apply?

• Individuals with a current ITIN card

• Non-U.S. citizens living and working in the U.S.

• Individuals with work permits

• Self-Employed Borrowers

 

Mortgages without an SSN
 

Looking for a loan but aren't eligible for a Social Security number? Individual tax identification number (ITIN) loans are for non-U.S. citizens who live and work in the U.S., file taxes, and are not eligible for an SSN. The opportunity to own a home for non-U.S. citizens is within reach today.
 

Advantages of an ITIN Loan

• No Visa or SSN is required to qualify. 

• Full doc or alt-doc accepted.

• 100% gift funds allowed.

• Non-occupying co-borrowers permitted. 

• Primary, second home, and investment properties eligible.

• Single-family, townhome*, 2-4 units, PUD,  condo (warrantable and non-warrantable) permitted.

 

Program Details for ITIN Loan

• Loan-to-value (LTV) up to 85%.**

• Debt-to-income (DTI) up to 50%.

• Cash-out refinances up to 80%.***

• Min. 640 FICO for primary and 660 FICO for second & investment properties.

• 12 months income documentation.

• Loans up to $2.5MM

• Valid ID required (can be foreign ID).

 

* No highrises
** Full Doc Only | Alt Doc 80% Max LTV
***Not Available in TX or with credit score < 640.