ITIN
Making Homeownership Possible for Everyone
Home Loans for ITIN Holders
Securing a mortgage without a Social Security number can be challenging, but we’re here to simplify the process. We offer flexible qualification options, allowing you to apply without tax returns, W2s, or extensive bank statements. Let’s turn your dream of homeownership into reality with a straightforward and supportive lending experience.
ITIN Mortgage Eligibility
If you’re not a U.S. citizen or permanent resident, you may still qualify for an ITIN mortgage. This option is available for:
- Non-U.S. citizens
- Individuals without permanent residency
- Borrowers with expired eligible EADs or VISAs
A mortgage designed to match your needs!
Flexible Qualification Options:
- 12-month CPA or tax-prepared Profit & Loss (P&L) statements accepted
- No tax returns or W2s required
- 100% gift funds accepted for down payment and closing costs
Frequently Asked Questions
How do I begin the process for a Non-Traditional Mortgage?
Share a few details, and we’ll connect you with a mortgage specialist. Contact us today!
What are gift funds?
Gift funds are financial contributions from family members that can be used for a down payment or other home-buying expenses. However, grants and funds from financial assistance programs do not qualify as gift funds.
Are gift funds accepted?
Yes! We allow 100% gift funds for down payments and closing costs on Non-Traditional Mortgages for qualified applicants.
How much is the required down payment?
Depending on your loan program, you may be able to purchase a home with as little as 20% down.
Do I need to verify my income?
For certain loan programs, income verification may not be necessary.
Are tax returns required to qualify?
No tax returns or W2s are needed for our Non-Traditional Mortgage programs.
Why is mortgage pre-qualification important?
Getting pre-qualified helps determine how much home you can afford and signals to sellers that you are a serious buyer. It also ensures you find the best loan program and interest rate for your needs.
What are the current mortgage rates?
Rates fluctuate daily. Provide your contact information, and a mortgage specialist will reach out with the latest updates.