ITIN LOANS
For Clients with ITIN Identification
Individual Tax Identification Number (ITIN) loans are for clients with ITIN identification and who do not have Social Security Numbers or green cards, don’t have work visas or other Employment Authorization Document identification and are not U.S. citizens.
Accessible Home Loans
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Down payments as low as 10%
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Flexible qualification guidelines
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Eligible financing for purchase, cash-out and no cash-out refinance
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Flexible Loan Options
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Fixed-Rate loans
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For primary residence or second home
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For single-family residence, condominium or 2-4 units
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Available to first-time or seasoned homebuyers
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A Fixed-Rate Mortgage has an interest rate that remains the same for the life of the loan.
For Loan-to-Value (LTV) Ratio of 80% or Less
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For primary residence or second home
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Loan amounts up to $400,000
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Minimum 620 credit score
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Other qualifications available for clients with no credit score
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Maximum Debt-to-Income (DTI) ratio of 50%
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24 months of income history
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Three months housing expense reserves*
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*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation
For Loan-to-Value (LTV) Ratio of 80.01%-85%
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For primary residence or second home
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Rural properties permitted
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Loan amounts up to $400,000
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Minimum 700 credit score
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Other qualifications available for clients with no credit score
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Maximum Debt-to-Income (DTI) ratio of 50%
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24 months of income history
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Three months of housing expense reserves*
*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation
For Loan-to-Value (LTV) Ratio of 85.01%-90%
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For primary residence or second home
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Rural properties permitted
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Loan amounts up to $350,000
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Minimum 720 credit score
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Other qualifications available for clients with no credit score
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Maximum Debt-to-Income (DTI) ratio of 43%
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24 months of income history
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Six months of housing expense reserves*
*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation
For Cash-Out Refinance 2
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For primary residence
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Maximum Loan-to-Value (LTV) ratio of 75%
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Loan amounts up to $350,000
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Minimum 660 credit score
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Other qualifications available for clients with no credit score
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Maximum Debt-to-Income (DTI) ratio of 43%
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24 months of income history
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Three months of housing expense reserves*
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation
