The ITIN or Individual Taxpayer Identification Number program is specially crafted for the borrower who has an ITIN, for purposes of reporting taxes from passive income sources only, and is not employed in the U.S. A traditional U.S. credit report is not required for borrowers without a valid SSN. This program offers a clear path to financing and includes DACA. This program removes the barriers often faced by ITIN applicants, ensuring they have the same accessibility and ease as local borrowers.

Program features

• Loan Amounts From $125K to $2.5M
  
• First-Time Homebuyers
  Eligible With Restrictions
  
• 2/1 Temporary Buydowns Available
  
• Max 85% LTV / 660 Min FICO /
  Max DTI 50%
  
• 15- and 30-Year Fixed, 30-Year I/O,
  5/6 SOFR ARM, 5/6 SOFR ARM I/O
  
• Primary, Second Home and
  Investment Property
  
• Purchase, Rate/Term and Cash Out
  
• Unlimited Cash Out LTV ≤ 60%
  
• SFR, PUD, Condo (Warrantable
  and Non-Warrantable), 2-4 Units
  
• Full Doc: 1 or 2 Years
  
• Alt Doc: VVOE, 12 or 24 Months
  Bank Statements, 1 or 2 Years 1099,
  Rental Income, Asset Utilization
  (Supplemental or Standalone –
  Seasoned for 3 Months, Divided
  by 60 Months)
  
• Housing History 0x30x12
  
• Gift Funds and Interested Party
  Contributions Options Available

Contact Us Today! To learn more and start offering these exceptional options to your clients!