ITIN Loans

SPECIFICS

Loan amounts, documentation requirements, and available financing options vary by ITIN loan program, property type, and borrower qualifications.

DOWN PAYMENT REQUIREMENTS

Down payment requirements vary by loan program, property type, occupancy, and borrower qualifications. Eligible gift funds may be permitted under certain programs when applicable guidelines are met.

CREDIT REQUIREMENTS

Credit score and credit history requirements vary by ITIN loan program and borrower qualifications.

DEBT-TO-INCOME RATIOS / RATE OPTIONS

Debt-to-income requirements vary based on the selected loan program and applicable underwriting guidelines.

Fixed-rate and adjustable-rate options may be available depending on the program and borrower qualifications.

PRIOR CREDIT EVENT WAITING PERIODS

Borrowers with a prior bankruptcy, foreclosure, short sale, or other significant credit event may still be eligible for certain ITIN loan programs.

Applicable waiting periods vary based on the type of credit event, borrower circumstances, loan program, and lender or investor guidelines. Some programs may consider shorter waiting periods when applicable requirements are met.

MORTGAGE INSURANCE

Mortgage insurance requirements, if any, vary by loan program, loan-to-value ratio, property type, and lender or investor guidelines.

IMPORTANT INFORMATION

ITIN loan programs are available to eligible borrowers who use an Individual Taxpayer Identification Number (ITIN) in place of a Social Security number for applicable mortgage qualification purposes. Rates, fees, documentation requirements, loan amounts, eligibility standards, and program availability vary and are subject to change.