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ITIN Mortgage Loans

Mortgage programs  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 and are paying taxes in the United States. This loan product is a full doc non-QM mortgage offering flexibility for individuals who would otherwise be unable to qualify for a mortgage in the US. 

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   ITIN Mortgage Loan Features


  • Loans up to $2.5 million, Minimum loan 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.

  • Credit scores starting at 660

  • Up to 75% LTV

Ready To Get Started?

Thank you! Our team will be contacting you

shortly to discuss your lending options!

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Contact Us

Lending Office

5335 Meadows Rd, Suite 388, Lake Oswego, OR 97035


Direct Line: 503-343-7999 


Office Hours

Mon - Fri

9:00 am – 5:00 pm

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