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.

There are typical borrowers who qualify for typical home loans, and then there are specialty borrowers with situations that are just different enough to require a little extra analysis. We are proud to offer a range of products designed for many different kinds of above-average borrowers - enter Arcstone Financial's Accessible Mortgage Programs or AMP.
 

AMP is a Non-QM or Non-Qualified Mortgage product, to learn more about these programs, please reach out to your Arcstone Financial Mortgage specialist.

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