Credit scores starting at 620 | Up to 85% 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 85% 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
    • Alt doc loan options including Bank Statement and 1099 only