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Flexible Financing for ITIN Borrowers
Tailored solutions for clients without a Social Security number, with competitive terms and flexible documentation options
Our Flexible Financing for ITIN Borrowers program offers tailored loan solutions for clients without a Social Security number, providing purchase and refinance options with competitive terms. With flexible documentation requirements, DSCR eligibility for investment properties, and high LTV allowances, this program is designed to help more borrowers achieve their goals.
FAQs
What is the maximum LTV available for purchase?
Up to 85% LTV for purchase transactions.
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What is the maximum LTV for cash-out refinance?
Up to 75% LTV for cash-out refinancing.
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What is the minimum credit score required?
660 FICO minimum.
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What is the maximum loan amount?
Loan amounts up to $1.5 million.
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What are the tradeline requirements?
Only 1 qualifying tradeline required, and it must be ITIN-based.
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Is DSCR allowed for investment properties?
Yes, DSCR loans are eligible for investment properties.
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What documentation options are available?
Tax Returns or 12-Month Bank Statements for self-employed borrowers; Tax Returns for wage earners.
Why This Program Works for Borrowers Without a Social Security Number
This program removes the barrier for borrowers who lack a Social Security number by offering competitive purchase and refinance terms with minimal tradeline requirements. It provides flexible documentation paths, making it accessible for both self-employed and wage earners. The inclusion of DSCR eligibility for investment properties opens more opportunities for portfolio growth. With higher LTV limits, borrowers can access more financing without sacrificing affordability.
A Smarter Way to Expand Homeownership for ITIN Clients
By catering specifically to ITIN holders, this program creates pathways to homeownership and investment that were previously limited. It empowers clients to leverage competitive rates and terms while bypassing traditional credit barriers. With options for both primary and investment properties, borrowers gain more control over their financial future. The flexibility in documentation ensures a smoother approval process, making it a practical and powerful financing solution.