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ITIN Mortgage Loan

  • Loans up to $2.5 million with a minimum of $125,000
  • One year seasoning for foreclosure, short sale or deed-in-lieu
  • Two years seasoning for bankruptcy, can use chapter 13 filing date
  • Purchase and cash-out or rate-term refinance
  • Primary home only (One unit only)
  • Non-warrantable condos allowed
  • Up to 50% DTI
  • Not available in all states. Please speak with your account executive for more details.

Min Fico




Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. This loan product is a full doc non-QM mortgage offering flexibility for individuals residing in the United States.


What is an ITIN mortgage loan?
Individual Tax Identification Number (ITIN) loans are for people who are not eligible for Social Security numbers. ITIN loan requirements can vary by lender. Borrowers who use ITIN cards for identification and tax purposes should call a lender to discuss requirements and eligibility.
Can a borrower without a Social Security card use an ITIN card to get a mortgage?
Yes, an ITIN mortgage loan allows ITIN card holders to obtain a mortgage. ITIN is used in lieu of Social Security for identification purposes. The borrower would also need to meet all of the requirements to be eligible for an ITIN mortgage loan.
Is an ITIN mortgage loan a full doc loan?
Yes. These loans require documentation and information to determine a borrower’s eligibility. Documentation and information needed will vary based on a borrower’s circumstances. A lender can advise on what is needed to qualify for this loan type.

What is the benefit to originators who use non-QM loan products?

Originators who utilize non-QM offer a service that their competition may not offer. They become an expert and go-to for the non-QM borrower. The benefit is increased referrals and business growth despite changes in the market. Continue to increase your volume each year regardless of fluctuating interest rates, tighter Agency guidelines, and a slowing refinance market.

Additional Program Options

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