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ITIN Home Loan Program
Unlock Homeownership Without a Social Security Number
Our ITIN Home Loan Program makes homeownership accessible for borrowers who don’t have a Social Security number but meet the other qualifications for a mortgage. Whether you’re purchasing a primary home, second home, or investment property, this program offers flexible financing options with competitive terms and no need for traditional SSN-based qualifications.
FAQs
What is the maximum loan amount?
Up to $1.5 million.
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What’s the minimum credit score?
Minimum 660 FICO.
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What types of income documentation are accepted?
Bank Statements, 1099 Only, and Full Documentation options are available.
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Can I use this program for cash-out refinancing?
Yes, up to 65% LTV, with appraisal-based qualification for properties owned at least 6 months.
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Are non-warrantable condos allowed?
Yes, both non-warrantable condos and condotels are eligible.
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Is gift money allowed?
Yes, both gift funds and gift of equity are accepted.
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Do I need a Social Security Number to qualify?
No, only a valid ITIN card and government-issued photo ID are required.
Why This Program Works for ITIN Borrowers
Traditional mortgage programs can be restrictive for borrowers without a Social Security number. Our ITIN Home Loan Program eliminates that barrier, offering competitive rates and flexible terms so you can secure the property you want without unnecessary hurdles.
A Smarter Way to Secure Your Home
With generous LTV allowances, multiple income documentation options, and acceptance of non-traditional properties, this program empowers ITIN holders to purchase or refinance with confidence. Whether it’s your first home, a vacation getaway, or an investment property, you can move forward with a financing solution tailored to your needs.