Min. FICO 660 Up to 80% CLTV

Our ITIN 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 the Super Prime program
  • 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
Download file

Download program PDF


Struggling with a loan scenario? Push the button and get a solution in 30 minutes!

Program request

Write to us, we will contact you within 30 minutes.

Name *

Fill out this field

Company Name *

Fill out this field

Company NMLS (optional)

Fill out this field

Company State *

Fill out this field

Phone *

Fill out this field

Email *

Fill out this field

Inquire *

Fill out this field
Please, accept the privacy policy


Something went wrong.

Please try again
Thank you

Thank you!

We’ll contact you as soon as possible

Program details

Min FICO 660 and up to 80% CLTV for the Super Prime program
Min FICO 700 and up to 70% CLTV for DSCR 
Loan amounts up to $1.5 million 
Max cash-in-hand $1 million, no limit for CLTV <55% 
All income types for the Super Prime program, 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 
3 months of reserves required 
Primary, second home, investment
Ownership of any property within the past 36 months for DSCR
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 
0x30x12 and 0x90x24
24 months from bankruptcy or foreclosure
SFR, townhomes, condo warrantable/non-warrantable, condotels, 2-4 units, PUD, short-term rentals, SFR rural, manufactured housing, leasehold 
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 
Non-permanent residents, ITIN 
Individuals, LLCs/Corp without a hit 
Show more
Quick Pricer

Calculate your scenario

Get detailed information about the potential loan.

Quick Pricer

Fast turnaround times


24 hours


24 hours


24 hours


24 hours

24 hours


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.

Ready to get started?

Write to us, we will contact you within 30 minutes.

Get in Touch