Mortgage Programs

ITIN Loans

ITIN (individual tax identification number) holders are not United States citizens, but they can obtain mortgage loans in this country, so lenders that offer these mortgages typically either keep them in portfolios or sell them into the secondary market.

An ITIN mortgage is a type of mortgage that is available to individuals who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. ITINs are issued by the Internal Revenue Service (IRS) to foreign nationals and other individuals who are not eligible for a Social Security number but are required to pay taxes in the United States.

ITIN mortgages are designed to help people who may not have a Social Security number but want to purchase a home in the United States. These mortgages typically require a larger down payment and have higher interest rates than traditional mortgages. They may also have more stringent credit requirements.

If you are considering an ITIN mortgage, it's important to work with a lender who has experience with these types of loans. They can help you understand the requirements and guide you through the process of obtaining financing for your home purchase.

What are some types of ITIN mortgages?

  • $100,000 to $750,000 loan amounts with limited documentation
  • 90% LTV for purchase of owner-occupied and investment property
  • Up to 70% LTV, no prepayment penalty, five-year fixed rate, interest-only payments
  • Documentation: valid passport
  • Fixed rate loans up to 80% LTV on owner-occupied, vacation homes and non owner-occupied homes, condos and townhomes
  • Private money financing of non owner-occupied 1-4 units, multifamily, land and for construction.
  • 60 days’ sourcing and seasoning of assets
  • No tax returns required, P&L, DSCR, Bank Statements
  • Owned U.S. businesses eligible for fix and flip, buy and hold and refinance

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I represent clients who authorize me to do so. I do not work for or represent the interest of any mortgage lender or other duly authorized entity to whom I may submit a mortgage application on behalf of a Client. My services are provided in a Mortgage Broker capacity and I am not authorized to approve or deny a mortgage loan request. NMLS 1691763 / NMLS 1322774