ITIN Program

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

Our ITIN (Individual Taxpayer Identification Number) 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.

  • Valid ITIN Card or IRS Letter will be required; as well as a valid government issued photo identification (passport, drivers license, etc.,)
  • Available for Purchase and Refinance
  • DACA Borrowers are eligible
  • Up to 50% DTI
  • Up to 80% LTV
  • Scores as low as 620
  • Gift Funds AND Gift Equity are allowed
  • OK to have one 30-day mortgage late if more than 6 months prior
  • 40 Year Fixed with 10 Year Interest only option

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