ITIN Mortgage

Credit scores starting at 640 | Up to 90% 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 90% with 700 score
  • Max LTV 80% with 640 score
  • Loans up to $3 million, 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
  • ITINs must be from a single employer
  • Borrower must be self-employed working for the same employer for two years
  • 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

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