ITIN Mortgage

Credit scores starting at 620 | Up to 80% LTV, No MI

Our ITIN income loan option is for self-employed borrowers who are ITIN earners not able to qualify for a full doc mortgage loan. Tax write-offs make verifying income difficult for self-employed people. This program allows you to use ITINs for the last year or the last two years in lieu of tax returns.

  • Max LTV 80% with 700 score
  • Max LTV 75% with 620 score
  • Loans up to $1,500,000.  Minimum loan of $150,000
  • No tax returns are required
  • Most recent one or two years 1099 plus year-to-date earning statement allowed
  • Year-to-date earnings are verified from earning statement, paystubs, or bank statements
  • 1099’s must be from a single employer
  • If borrower is self-employed must have two year history
  • Owner-occupied, second homes, and non-owner occupied
  • Purchase and cash-out or rate-term refinance
  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Non-warrantable condos allowed
  • 40 Year Fixed with 10 Year Interest Only option

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