ITIN Mortgage Loan
For Borrowers who do not have a Social Security number
Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. This loan product is a full doc Non-QM mortgage offering flexibility for individuals residing in the United States.
ITIN Loans
Unlock Your Dreams
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Full Documentation Option
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Maximum DTI: 50% Purchase or Rate & Term / Maximum DTI: 43% Refi Cash Out
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SFR, PUD, Townhomes, Duplexes, and Warrantable condos only (9 stories or less)
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Primary Residences Only
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3 Months Reserves
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Gifts allowed (up to 50% of downpayment)
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No Escrow Waivers. No Interest Only
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FICO as low as 640
Questions & Answers
What is an ITIN Loan?
An ITIN Mortgage Loan is a home loan program for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number.
How do borrowers qualify for an ITIN loan?
​Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.
What transactions are allowed under an ITIN Mortgage Loan?
Eligible transactions include purchase, rate and term refinance, and limited cash-out refinance, subject to loan-to-value and credit guidelines.
Are gift funds allowed on an ITIN loan?
Gift funds are permitted for a portion of the down payment, subject to program limits and documentation requirements.
What property types are eligible for ITIN loans?
Primary residences are eligible under current ITIN program guidelines, subject to underwriting standards.
