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ITIN Mortgage Loan


The Individual Tax Identification Number (ITIN) program offers loans to individuals in the United States who do not possess a Social Security number. If borrowers have an ITIN card, they may qualify for a home loan as long as they meet the eligibility requirements. This type of loan is a full-documentation, non-qualified mortgage (non-QM) that grants more flexibility to individuals residing in the United States.

Credit scores starting at 600

Maximum LTV 75%

Program Highlights:

  • Loans up to $2.5 million, Minimum loan of $125,000

  • One year seasoning for foreclosure, short sale or deed-in-lieu

  • Two years seasoning for bankruptcy

  • Primary home only

  • Up to 50% DTI

  • Non-warrantable condos allowed

  • One unit only

  • Purchase and cash-out or rate-term refinance

  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained

Your Mortgage Approval Starts HERE