ITIN Mortgage Loan

For Borrowers who do not have a Social Security number

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.

640

Min Fico

80%

Max LTV

12 or 24-Month

Bank Statement Options

Purchase or Rate & Term Available:

Up to $750,000

Cash-Out Refi Available:

Up to $550,000

with 75% LTV and 680 FICO

Terms Available:

30 year or 15 year fixed

Full Documentation Option
Maximum DTI: 50% Purchase or Rate & Term / Maximum DTI: 43% Refi Cash Out
SFR, PUD, Townhomes, Duplexes, and Warrantable condos only (9 stories or less)
Primary Residences Only
3 Months Reserves
Gifts allowed (up to 50% of downpayment)
No Escrow Waivers. No Interest Only

Contact Angel Oak

Please provide your contact information below and an experienced mortgage professional in your area will be in touch within the next business day.

* required field

By clicking “Submit,” I consent to receiving marketing communications from Angel Oak Mortgage Solutions LLC via email, phone, and text (SMS/MMS), including through automated systems, artificial intelligence, or prerecorded messages. I understand this may include updates about applications, loans, accounts, and mortgage-related products or promotions. I agree to be contacted even if my number is on a Do-Not-Call list. Consent is not required to purchase goods or services. I understand I may opt out any time by texting “STOP” or calling (850) 750-0469. Message and data rates may apply.

FAQ's

An ITIN Mortgage Loan is a home loan program for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number.

Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements.

Eligible transactions include purchase, rate and term refinance, and limited cash-out refinance, subject to loan-to-value and credit guidelines.

Gift funds are permitted for a portion of the down payment, subject to program limits and documentation requirements.

Primary residences are eligible under current ITIN program guidelines, subject to underwriting standards.

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