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Is a ITIN loan right for you?

15 Year Fixed Mortgage

ITIN Loan Products are for people without a social security number looking to buy a home to live in the United States. These loans require higher down payment but are a solid 30-year fixed mortgage.

U.S. Government ID Card, Matricula Consular ID, or Passport

2 Years employment in the same or similar line of work (can be salaried or self-employed)

1 Years Tax Returns using their ITIN number

Buyers must be an owner occupant

Minimum 20% down payment

This is a 30 Year fixed rate, not a hard money loan!

LTV up to 80%

DTI up to 55%

12 Month Income Documentation (Business or Personal)

Agency Fallout – Full and Alternative Doc

Non-QM, Self-Employed and ITIN

Rates starting in the 5’s

SFOO/ 2nd Home/ Condo (No High Rises)

Ready Asset (NIVA) Allowed

Cash out available up to 70% LTV

Gift Funds allowed up to 80% LTV (50% of down payment must be borrowers own funds)

Other Program Requirements Apply

80% LTV is not available in CT, HI, LA, NV or OH. Multi Home Loans will not accept applications or originate in CA, IL, NJ, or NY.

Do I Qualify?

When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

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