ITIN Program
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 U.S. without requiring a Social Security card.
- Maximum LTV 75%
- Credit scores starting at 600
- One year seasoning for foreclosure, short sale, or deed-in-lieu
- Two years seasoning for bankruptcy
- Loans up to $2.5 million
- Primary home only
- Non-warrantable condos allowed
- Up to 50% DTI
- One unit only
- Purchase and cash-out or rate-term refinance
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.