ITIN Loans for non-U.S. Citizens

The ITIN Mortgage Financing Solution is designed to cater to the unique financial needs of non-U.S. citizens who possess an Individual Taxpayer Identification Number (ITIN) but do not have a Social Security Number (SSN). This program aims to facilitate homeownership among immigrants, providing a pathway to purchasing or refinancing a home within the United States. Understanding the challenges faced by ITIN holders in accessing traditional mortgage products, this program offers a flexible and inclusive alternative to help achieve their dreams of homeownership. 


Key Features: 

- Eligibility: Open to non-U.S. citizens with a valid ITIN. Applicants must demonstrate a stable income, employment history, and meet credit criteria. 

- Loan Types: Offers both fixed-rate and adjustable-rate mortgages to accommodate diverse financial situations and preferences. 

- Loan Purpose: Available for purchasing a new home or refinancing an existing mortgage. 

- Down Payment: Competitive down payment requirements designed to make homeownership more accessible to ITIN holders. 

- Credit Evaluation: Utilizes a holistic approach to credit evaluation, considering alternative credit data such as rent, utility payments, and other non-traditional credit sources. 

- Interest Rates: Competitive interest rates that reflect market conditions and the applicant's creditworthiness. 

- Loan Amounts: Flexible loan amounts to accommodate a wide range of property values and borrower needs. 

- Terms: Loan terms available to suit different financial plans and goals, ranging from shorter-term options to 30-year terms. 

Application Process:

 1. Pre-Qualification: Interested applicants can begin by completing a pre-qualification form to assess eligibility without impacting their credit score.
2. Documentation: Required documents include proof of income, employment verification, tax returns using the ITIN, and any other relevant financial information.
3. Application Submission: Complete and submit the loan application along with the necessary documentation for review.
4. Approval Process: Applications undergo a thorough review process, including credit evaluation and property appraisal, to determine loan approval and terms.
5. Closing: Upon approval, the closing process includes signing the loan agreement and other necessary paperwork to finalize the loan. 

 Support and Guidance: Our dedicated team of loan specialists provides personalized support throughout the application process, offering guidance on loan options, documentation, and answering any questions to ensure a smooth and transparent experience.

Commitment to Inclusivity: We are committed to fostering financial inclusivity by providing ITIN holders with opportunities to invest in their futures through homeownership. Our ITIN Loan Program is tailored to meet the needs of a diverse clientele, ensuring fair access to mortgage financing regardless of citizenship status.

 Contact Information: For more information or to start your application, contact our customer service team at 718-331-6900 or email us at

 Disclaimer: Loan approval is subject to credit review and underwriting criteria. Terms and conditions apply. Rates and terms are subject to change based on market conditions and borrower eligibility. Please contact us for the most current information and to discuss your specific needs.