Min. FICO 660 Up to 80% CLTV

With our Individual Tax Identification Number (ITIN) Mortgage program, you can now offer a tailored home financing solution to a wider range of clients, including those without Social Security numbers. Empower your business by helping non-U.S. citizens achieve their dream of homeownership. Those possessing ITIN cards are eligible for mortgage qualification, provided they fulfill the necessary criteria. This loan option represents a fully documented non-QM (non-Qualified Mortgage) product, offering adaptable solutions for residents in the United States. Simple documentation requirements ensure a smooth application process. Our team is dedicated to guiding you every step of the way, from understanding your documentation to finalizing your loan.

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Min. FICO 660 and up to 80% CLTV for Super Prime program
Min. FICO 700 and up to 70% CLTV for DSCR
Loan Amounts up to $1.5 Million
Must have valid ITIN card or IRIS ITN Letter and a valid Government-issued ID


What is an ITIN Mortgage?

An ITIN mortgage is a home loan option available to individuals who do not have a Social Security number and instead use an Individual Taxpayer Identification Number (ITIN) for tax purposes. This type of mortgage is primarily used by non-U.S. citizens, including undocumented immigrants and foreign nationals.

Who is eligible for an ITIN Mortgage?

Eligibility for an ITIN mortgage is generally open to individuals who have an ITIN instead of a Social Security number. This includes undocumented immigrants, foreign nationals working in the U.S., and other non-resident aliens who earn income in the U.S.

Are ITIN Mortgages only for undocumented immigrants?

No, ITIN mortgages are not exclusively for undocumented immigrants. They are available to any individual with an ITIN, which includes a range of non-U.S. citizens, such as foreign workers and certain non-resident aliens.

What documents are required to apply for an ITIN Mortgage?

The documentation required typically includes a valid ITIN, proof of steady income and employment, credit history (or alternative credit documentation), and a down payment. The specific requirements can vary depending on the lender.

How do ITIN Mortgages differ from traditional mortgages?

The key differences include the use of an ITIN instead of a Social Security number, potentially higher down payments, higher interest rates, and sometimes more stringent documentation requirements.

Can ITIN Mortgages help build credit in the U.S.?

Yes, ITIN mortgages can help individuals build their credit history in the United States, similar to how traditional mortgages impact credit scores.

Are the interest rates for ITIN Mortgages higher than regular mortgages?

Often, yes. Due to the perceived higher risk associated with ITIN mortgages, lenders may charge higher interest rates compared to traditional mortgages.

How much down payment is typically required for an ITIN Mortgage?

The required down payment can vary, but it is generally higher than that for conventional mortgages. It can range from 15% to 30% of the home’s purchase price, depending on the lender.

Can I refinance an ITIN Mortgage?

Yes, refinancing options are available for ITIN mortgages, but they depend on the lender’s policies and the borrower’s creditworthiness and financial stability.

Are there any special programs or assistance available for ITIN Mortgage borrowers?

While there aren’t many specific programs for ITIN mortgage borrowers, some non-profit organizations and local housing authorities may offer assistance or guidance. It’s advisable to explore local resources and housing assistance programs.

What are the risks associated with ITIN Mortgages for borrowers?

The risks include higher interest rates and down payments, which can lead to larger financial commitments. Borrowers should also be aware of their rights and any potential for predatory lending practices.

Can a borrower buy any type of property with an ITIN Mortgage?

Generally, ITIN mortgages can be used to purchase various types of properties, but this can vary by lender. It’s important to check with the lender about any restrictions on property types.

How long does the process of getting an ITIN Mortgage take?

The timeline can vary widely based on the lender, the completeness of the borrower’s documentation, and other factors. Generally, it might take longer than a conventional mortgage due to additional documentation and verification requirements.

Can borrowers apply for an ITIN Mortgage if they have a pending immigration case?

Yes, they can apply for an ITIN mortgage even if they have a pending immigration case, as long as they meet the other requirements set by the lender. Immigration status does not typically impact eligibility for an ITIN mortgage.

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