ITIN Mortgage Program

Part of our comprehensive Non-QM product line is our ITIN Program for non-U.S. citizens who live and work in the United States. If you are working in the US but without a Social Security Number, our Individual Tax Identification Number (ITIN) program can provide the financing you need. Our ITIN Owner-Occupied loan program offers a range of benefits.

Program Highlights:

  • 80% LTV for Primary Residence Purchase, Rate/Term and Cash-Out
    • 70% LTV for Secondary Home and Investment Properties
  • $ 2.5M Max Loan Amount
  • 640 Min FICO score for OO
    • 660 Min FICO Score for Second Home and Non Owner Occupied
  • 50% Max DTI
  • Cash-out:
    • If <= 60% LTV = Unlimited
    • If > 60% LTV = Max $750K
  • 70% LTV Non-Warrantable Condo
  • 1 or 2 Years of 1099s
  • P&L Plus 2-Months Bank Statements
  • Non-Traditional Tradelines can be considered when borrowers have at least two (2) credit scores, but do not meet the standard tradeline requirements.
  • Gift Funds allowed with a 5% borrower contribution from own funds for OO, and 10% for SH.
    • 100% of Down Payment and Closing Costs allowed for OO and SH to 75% LTV

Contact us to see how we can help you as an ITIN borrower secure loans in a flexible and easy manner.

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