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ARM - Adjustable Rate Mortgages

ITIN Mortgage Loan Program

An ITIN mortgage is a home loan option available to individuals who do not have a Social Security number and instead use an Individual Taxpayer Identification Number (ITIN) for tax purposes. This type of mortgage is primarily used by non-U.S. Citizens, including undocumented immigrants and foreign nationals.   

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.

Features Include:

  • Max 80% LTV Purchase
  • DTI up to 55%
  • Purchase and cash-out or rate-term refinance
    • Max 75% LTV C/O Refinance
      • 2-year income history
      • Must have valid ITIN card or IRIS ITN Letter and a valid government-issued ID
        • Qualify WVOE and two months bank statements reflecting ACH direct deposits from employer, Self Employed 12 months Personal or Business bank statements, ATR in Full/Asset Depletion
        • Investor ATR – qualify ITIN full doc or self-employed bank statements and DSCR financing up to 80%

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