ITIN Loans

ITIN stands for Individual Tax Identification Number. ITIN loans are for borrowers who do not have Social Security numbers. ITIN loans are full doc non-QM mortgages offering flexibility for individuals residing in the United States.

How Do ITIN Loans Work | Who Do They Benefit

Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. ITIN loans benefit borrowers who don’t have social security numbers but have been employed for at least 2 years.

ITIN Loan Requirements And How To Qualify

Documentation and information needed will vary based on a homebuyer's circumstances.

·      At least 600 credit score

·      Must have a valid ITIN

·      Must be employed for 2 years in the same field of work

·      Loans up to $2.5 million

·      Minimum loan of $125,000

·      2-year income history

·      Valid ID required


·      Maximum LTV 75%

·      Up to 50% DTI

·      Loan amounts up to $2.5 million

·      No Visa or SS required

·      Cash-out refinance up to 75%