ITIN Loan Program

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The ITIN (Individual Taxpayer Identification Number) loan program is designed for individuals who are ineligible for a Social Security Number (SSN) but need financing to purchase a home. This program allows non-U.S. citizens, including immigrants and foreign nationals, to secure a mortgage based on their ITIN instead of an SSN.

• Eligibility: Available for individuals with an ITIN, including foreign nationals, and those without a valid SSN.
• Credit History: Uses alternative credit assessments such as bank statements, rental history, or utility payments, making it easier for those without a formal credit score to qualify.
• Down Payment:
  • As low as 10% down for ITIN clients who provide full documentation, including taxes for the last two years, W-2s, and/or 1099 forms.
  • 15% down for ITIN clients who provide 12–24 months of bank statements from personal or business accounts.
  • 20% down for the P&L (Profit & Loss) program, which can be completed by a CPA or public accountant, allowing you to bypass tax returns or bank statements.
• Loan Terms: Fixed-rate and adjustable-rate mortgage options available.
• Interest Rates: Rates may be higher than traditional loans due to the increased risk for lenders.

• Accessibility: Opens doors to homeownership for individuals without a SSN.
• Alternative Credit Assessment: Uses non-traditional forms of credit history, making it easier for individuals without formal credit scores to qualify.
• Pathway to Homeownership: Provides a way for those without an SSN to achieve homeownership, even if they’ve been in the U.S. for an extended period.

• Non-U.S. citizens or immigrants without an SSN.
• Individuals with alternative credit histories, such as reliable rent or utility payment records.
• People looking to buy their first home, an owner-occupied property, a second home, or an investment property.

• ITIN Letter & Passport: All programs require an ITIN letter issued within the last 10 years (front and back), as well as a valid passport.
• Foreign Nationals:
  • Must have a minimum of 20% down and can only use the loan for an investment property purchase.
  • Foreign nationals must present a valid Visa to travel and show proof of a primary residence in their home country.

ITIN loans offer an incredible opportunity for non-citizens and individuals without an SSN to secure home financing. Whether you're a first-time homebuyer, looking to purchase an owner-occupied property, a second home, or an investment property, these loans make homeownership possible.