ITIN Non-QM Program for Non-US Citizens

We offer ITIN Non-QM Programs specifically designed for non-US citizens without a social security number, Green Card, or work visa.

Program Highlights

Our ITIN Non-QM Programs offer a range of benefits and features tailored to the unique needs of non-US citizens.

Loan Amount

– Borrowers can secure loans ranging from $125,000 to $1.5 million, providing flexibility to meet various property needs.

Eligible Property Types

– Our programs cover a wide range of property types, including owner-occupied single-family homes (SFR), planned unit developments (PUD), condos (including non-warrantable condos), and 2-4 unit properties.

Documentation Options

– We offer multiple documentation options to accommodate different borrower situations. Borrowers can choose between 1- or 2-years full documentation, 12- or 24-months bank statements, and 1099 forms.

Credit Score Requirements

– With FICO scores starting from 680, our ITIN Non-QM Programs provide opportunities for borrowers with diverse credit profiles.

Loan-to-Value (LTV) Ratio

– Borrowers can secure financing up to 80% of the property’s appraised value, allowing for a more affordable down payment.

Debt-to-Income (DTI) Ratio

– We understand that financial circumstances can vary, which is why we accept borrowers with up to 50% DTI ratios.

Appraisal Transfers and Gift Funds

– Our programs allow for appraisal transfers, making the loan process more efficient. Additionally, gift funds are permitted, providing borrowers with additional financial support.

Fixed-Rate Stability

– Enjoy the peace of mind that comes with a 30-year fixed-rate mortgage, providing stability and predictability in monthly payments.

Our ITIN Non-QM Programs offer attractive loan terms and a range of property options. Contact us today to find out if you qualify for the ITIN mortgage program.