ITIN Loans
Mortgage Loans for ITIN Borrowers
No Social Security Number? No problem. Our ITIN loan programs provide a path to homeownership for non-US citizens.
How an ITIN Loan Works
Use Your ITIN
Provide your valid Individual Taxpayer Identification Number (ITIN) in place of a Social Security Number.
Flexible Documentation
We can verify income through alternative means like bank statements or other financial records.
Path to Homeownership
Purchase a primary residence, second home, or investment property in the United States.
Loan Parameters At-a-Glance
ITIN Mortgage Loan Highlights
- Eligibility: To qualify for a Non-QM ITIN mortgage loan, borrowers need a valid ITIN, a satisfactory credit history, and the ability to demonstrate income and repayment ability.
- Property Types: Non-QM ITIN mortgage loan programs typically allow borrowers to finance various property types, including primary residences, investment properties, and second homes.
- Maximum Loan-to-Value (LTV): The maximum LTV ratio for ITIN loan programs may vary, but it's not uncommon to see maximum LTV ratios of up to 80%. The actual LTV offered depends on creditworthiness, income, and property type.
- Documentation and Underwriting: Non-QM ITIN mortgage loans generally have more flexible documentation requirements than traditional mortgages. Lenders may consider alternative documentation like bank statements to verify income.
- Interest Rates and Terms: Non-QM ITIN mortgage loans may have slightly higher interest rates. Common options include fixed-rate and adjustable-rate mortgages with terms ranging from 15 to 30 years.
It's important to note that specific program details, property types, and eligibility criteria can differ among lenders offering Non-QM ITIN mortgage loans. Find the program that fits best now at The Mortgage Calculator!
Non-QM Loan Program Terms:
- Up to 90% LTV Purchase with No MI
- Up to 80% LTV Cash Out
- 599 Min FICO
- Self Employed Programs: 1099, Bank Statements, P&L
- 30 Year Fixed & 40 Year Interest Only Available
- Up to $3M Loan Amount
- 1-4 Units, Condos, Manufactured Homes, Rural
- Up to 55% DTI
Get an Instant Mortgage Rate Quote from The Mortgage Calculator
Get Your Quick Quote
Real-time mortgage pricing across conventional, FHA/VA, DSCR, bank statement, non-QM and more. Compare options and move to a full application when ready.
Programs We Price
Conventional, FHA, VA, USDA, jumbo, investor DSCR, bank statement, asset depletion, non-QM, HELOCs and more.
How Quotes Work
We use your scenario (location, credit band, property/occupancy, LTV) to match eligible programs and display live-like rates.
Next Steps
Lock a rate or continue to the full 1003. Your MLO team helps optimize terms and documentation for a smooth closing.
Loan Programs Available: FHA Mortgage Calculator, Conventional Mortgage Calculator, VA Mortgage Calculator, USDA Mortgage Calculator, Non-QM Mortgage Calculator, DSCR Mortgage Calculator, Fix & Flip Mortgage Calculator, Construction Mortgage Calculator, JUMBO Mortgage Calculator
Frequently Asked Questions for ITIN Mortgage Loans
About The Mortgage Calculator
The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in using technology to provide access to Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan variations.
Our team of over 450 licensed Loan Originators can assist with Bank Statement Mortgages, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages, and thousands more!