ITIN LOAN
Ideal Solution for Non-US Citizen Borrowers
With flexible guidelines and alternative documentation options, ITIN loans make homeownership and investment opportunities more accessible to immigrant and international borrowers.
Individual Taxpayer Identification Number (ITIN)
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Individuals with an ITIN who reside and work within the United States but do not possess US citizenship.
Required evidence
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Unexpired ITIN card or IRS issued letter verifying ITIN issuance and unexpired government photo ID (driver’s license, passport, visa, etc.).
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2 year history of residing and working in the US
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Valid US FICO with minimum 2 scores
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12 month housing history is required
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The PWE must meet minimum tradelines: 3 tradelines reporting for 12+ months with activity in the last 12 months or 2 tradelines reporting for 24+ months with activity in the last 12 months
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If the PWE has 3 credit scores, the minimum tradeline requirement is waived