ITIN Mortgage Program – Flexible Financing for Non-U.S. Citizens
Our ITIN Mortgage Program offers an accessible pathway to homeownership or real estate investment for borrowers who do not have a Social Security Number. Designed for individuals using an Individual Taxpayer Identification Number (ITIN), this program provides competitive options without requiring the full documentation demanded by conventional lenders.
Program Highlights
- Loan Purpose: Purchase or cash-out refinance on investment properties.
- Maximum Loan-to-Value (LTV): Up to 90% on qualified transactions.
- Financing Type: Non-Qualified Mortgage (Non-QM), enabling greater flexibility for borrowers with unique profiles.
Income & Asset Documentation
- Borrowers may verify income through:
- 12 months of personal bank statements, or
- 24 months of business bank statements.
- Tax returns, W-2s, 1099s, and IRS schedules are not required. Liquid assets and down payment funds may be verified with approximately three months of bank statements.
Identification Requirements
Acceptable identification includes:
- A valid ITIN card,
- A current passport, or
- A driver’s license from any U.S. state.
Down Payment & Gift Funds
Gift funds may be used toward the down payment, up to 15% of the transaction amount, provided standard sourcing and documentation guidelines are met.
Why Choose Our ITIN Program
This program is ideal for non-U.S. citizens who have established credit or verifiable income but do not qualify for traditional loans due to the absence of a Social Security Number. By leveraging bank statements and alternative documentation, we make it possible for investors and aspiring homeowners to secure financing on favorable terms.
This ITIN Mortgage Program is available in the following states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.